What is the 4% Safe Withdrawal Rule?

Originating from the Trinity Study, the 4% rule suggests that withdrawing 4% of your initial retirement portfolio (adjusted annually for inflation) historically maintains portfolio longevity over a 30-year retirement.

How does inflation affect the target corpus?

As living costs increase with inflation, the future purchasing power of money decreases. The calculator compounds your monthly expenses at your designated inflation rate until your retirement age, ensuring your FIRE target reflects real future costs.

What is the difference between Lean FIRE and Fat FIRE?

Lean FIRE focuses on covering essential living expenses with minimal budget headroom, while Fat FIRE targets an abundant retirement lifestyle accommodating higher discretionary spending and luxury travel.

How is the required monthly SIP calculated?

The required SIP uses the Future Value of Annuity formula: FV = P × [((1 + r)^n - 1) / r] × (1 + r), accounting for monthly compounding and current initial principal growth.

Are my income and investment inputs stored anywhere?

No. All computations occur client-side in the browser. Zero financial data is ever stored, tracked, or sent across the network.

Financial Freedom Calculator

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Calculate your FIRE number, required SIP, and projected wealth accumulation

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KaruviLab Client Engine

Financial Freedom Calculator

Calculators

Calculate your FIRE number, required SIP, and projected wealth accumulation

Loading tool module...

KaruviLab Client Engine

📚 Learn More

Quick guide, tips, FAQ, deep dive, and documentation.Read more