FIRE

FIRE — Financial Independence, Retire Early

FIRE means: 25× annual expenses → financial independence. ₹6L/year expenses = ₹1.5 Cr corpus. Realistic in 12-15 years on a ₹15L salary if you save 50%+. This hub gives you the math, the products, and the asset allocation to actually get there.

Why this hub

FIRE is misunderstood in India — most blogs copy US frameworks (4% rule, Vanguard 3-fund portfolio). India needs different tax handling, equity-debt allocation, and inflation assumptions. We adapt the rules.

Where to start

  1. Priority 1

    Aggressive equity SIPs

    Index + flexi-cap = 80%+ of FIRE corpus.

  2. Priority 2

    Step-up SIPs

    Increase SIP 10%/yr matches salary growth — 2× corpus impact.

  3. Priority 3

    Tax loss harvesting

    Book ₹1.25L LTCG tax-free annually — saves ~₹15K tax.

  4. Priority 4

    Liquid + ultra-short funds

    Build the safe-corpus side of bucket strategy.

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Calculators for you

FIRE calculatorStep-up SIPSWPInflation-adjusted returnsCAGR

Regulatory + scheme rules

  • Indian FIRE adjustment: assume 7-8% real return (vs 4% US 4%-rule), inflation 5-6%
  • LTCG harvesting: ₹1.25L per year tax-free — book + rebuy annually
  • Bucket strategy: 3-5 years' expenses in debt MF, rest in equity

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