Ultimate FIRE Planner

This is a comprehensive financial independence tool that unifies Lean, Coast, Standard, and Fat FIRE strategies. It uses your specific life stages and budget breakdown to give you the most accurate path forward.

Core Strategies:

• Barista FIRE: You have enough to cover bare essentials (Housing & Food). You only need a low-stress job to cover extra fun spending.
• Coast FIRE: You have saved enough today that compound interest alone will carry you to a full retirement at age 50. You can stop saving!
• Fat & Chubby FIRE: You want a luxurious lifestyle. This calculator accounts for that via the "FIRE Levels" badge.

Calculation Logic:

• Target Corpus: The "Finish Line". Calculated as Annual Expenses / (SWR / 100). For example, if you spend ₹50,000/mo (₹6,00,000/year) and use a 4% SWR, you need ₹1.50 Cr.
• Safe Withdrawal Rate (SWR): The standard advice is 4%, derived from the "Trinity Study". It suggests that with a balanced portfolio, withdrawing 4% initially and adjusting for inflation gives a very high probability of your money lasting 30 years.
• Blended Inflation: In Advanced Mode, we use a higher inflation rate (7%) for healthcare and 4% for others to reflect real-world cost increases.