Family FIRE Calculator

By Lending Professionals | Just Honest Advice

30-year wealth projection — dual income, life events, PF & investments

FIRE status

Not yet reached

FIRE Number

₹3.9Cr

Corpus needed at 4% withdrawal

FIRE Status

Not yet

Adjust income or expenses

Corpus at Year 30

₹4.5Cr

MF ₹3.1Cr + PF ₹1.4Cr

Year 1 Savings Rate

42%

of gross annual income

💰Income

Person 1 — monthly salary

₹

Person 2 — monthly salary

₹

Annual bonus (combined)

₹

Annual salary increment

% / yr

Active working years

years

🛒Expenses

Total monthly expenses

₹

Total annual expenses (once a year expenses)Insurance, electronics, subscriptions, holidays, etc.

₹

Inflation rate

% / yr

Years to project

years

📈Investments & PF

Existing savings & MF corpus

₹

Existing PF balance

₹

Monthly PF contribution

₹

PF interest rate

% / yr

Expected investment return

% / yr

Safe withdrawal rate4% = standard FIRE rule

Wealth Projection

CorpusIncomeExpenses

Annual Savings

KharchaUdhar Insider Tip

FIRE is not achieved within the projection window. Try increasing income, reducing expenses, or extending the working years.

Disclaimer

This tool provides estimates for educational purposes only and does not constitute financial advice, an investment recommendation, or a guarantee of returns. Actual returns, inflation, and life event costs will vary. KharchaUdhar is not a SEBI-registered investment advisor. Consult a qualified financial planner for personalised advice.