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5-in-1 Archetypes

Multi-Scenario FIRE Calculator (Lean, Standard, Fat, Barista & Coast)

Verified Indian financial mathematics, statutory regulations, and step-by-step actionable breakdowns.

Tags:#FIRE India#Lean FIRE#Fat FIRE#Barista FIRE#Coast FIRE#Early Retirement

Multi-Scenario FIRE Suite (India Edition)

Lean, Standard, Fat, Barista & Coast FIRE calculated simultaneously

Indian SWR: 3.5% Rule
Monthly Expenses Today₹75,000
Current Invested Corpus₹20,00,000
Monthly Investment SIP₹50,000
Current Age30 Years
Portfolio Growth (CAGR)12%
Safe Withdrawal Rate3.5% SWR

5 FIRE Archetype Milestones & Timelines

🎉 Achieved!
Coast FIRE

Corpus needed today to retire at 60 with ₹0 further investments

Required Corpus₹8,58,289
🎉 ReadyAge 30
Bare Essentials
Lean FIRE

Covers food, basic shelter, healthcare. Zero luxury spending.

Required Corpus₹1,80,00,000
10 Yrs awayAge 40
Part-Time Work
Barista FIRE

Part-time passion job covers 40% expenses; corpus covers 60%.

Required Corpus₹1,54,28,571
9 Yrs awayAge 39
Target Baseline
Standard FIRE

Replicates 100% of current lifestyle with complete autonomy.

Required Corpus₹2,57,14,286
12.4 Yrs awayAge 42
Unconstrained
Fat FIRE

Frequent international travel, luxury dining, generous gifting.

Required Corpus₹4,50,00,000
16.4 Yrs awayAge 46

Corpus Size Comparison Across Scenarios

Mathematical Formula & Calculation Engine

Computes the target FIRE nest egg for each lifestyle mode [Corpus = (Annual Expenses × Lifestyle Factor) / SWR] and determines your exact target retirement age and required monthly investment.

FIRE Corpus = (Annual Expenses × Multiplier) / SWR | Coast FIRE = Target Corpus / (1 + r)^Years

Why Use the Multi-Scenario FIRE?

Simultaneous side-by-side comparison of all 5 global FIRE paths
Calculates your exact Coast FIRE milestone (stop investing and let compounding do the rest)
Factored for Indian economic realities (6% CPI inflation & healthcare cushions)
Actionable years-to-FIRE milestone roadmap

Multi-Scenario FIRE FAQs

Coast FIRE is the point where your existing savings will grow to your full retirement goal on their own by age 60 without adding another rupee. Barista FIRE means you semi-retire early and work a low-stress part-time job to cover ongoing basic living costs while leaving your principal untouched.

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Safe Withdrawal Rate (SWR) & Indian Longevity Simulator

Backtest portfolio survival across 30 to 45-year Indian retirement horizons. Evaluates why the US 4% rule fails in India and why 3.0%-3.5% SWR is required.

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