India FIRE Simulator

Results update as you type. To start over, pick an example above.

About you

Your investmentsWhat you hold today, and the mix you'll keep

PPF pays 7.1% and EPF 8.25%, both tax-free. FD and debt-fund returns are taxed at your slab, so 7% becomes about 4.9% at the 30% slab. 6% is a reasonable blend.

Big expensesPaid from your investments

WhatYear₹ L today

Amounts are in today's lakhs and grow with inflation until the year they're paid. Education costs often rise faster, so enter a little more for them.

Until you retireWhat you keep investing

After you retireWhat you spend, and any steady income

Both are in today's prices and grow with inflation. Income from rent or a pension is assumed to continue for life.

AssumptionsInflation, rupee, returns, tax

Economy

Returns

Each future is built from runs of 5 real years in a row, picked at random from 2000–2025, with the Nifty 50, the S&P 500 and the rupee exactly as they moved. Multi-year slumps like 2000–02 and recoveries like 2009 stay intact.

Every result uses 10,000 simulations. Rerunning draws a fresh 10,000 from the same history; results should move by only a point or so.

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Your corpus at retirement

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Monthly spending you can afford

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Chance it lasts:

Left at the end

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Net worth by age

Typical Middle half 8 in 10

Chance you still have money

Share of futures with money left at each age.

What changes your odds

Each row changes one thing and reruns the same futures.

Net worth at 75

At age

Year-by-year table