Your Financial Independence number, made concrete.
FIRE = 25 × your yearly expense. Vybe Money adjusts that for Indian inflation, your current corpus and monthly SIP, and shows the earliest age you can retire — plus your Coast FIRE checkpoint.
The 25× rule, in plain English
If your annual expenses are ₹9L, your FIRE number is roughly 25 × ₹9L = ₹2.25 Cr in today's rupees. The 25× multiplier comes from the 4% safe withdrawal rate — the amount you can pull from a diversified portfolio each year with a very high chance of the money outlasting a 30-year retirement. Vybe Money then inflates that number to the year you actually plan to stop working.
Coast FIRE — the earlier milestone
Coast FIRE is the corpus that, if left untouched, will grow into your full FIRE number by traditional retirement age. If your target is ₹5 Cr at age 60 and you expect 10% real returns, ₹80L at age 35 is already Coast FIRE — you can, in theory, stop investing and coast. It's the psychologically important checkpoint most people reach a decade before FIRE itself.
Why the savings rate matters more than income
The single biggest driver of your FIRE date isn't how much you earn — it's what percentage of income you save. A 20% savings rate takes ~37 years. 40% takes ~22 years. 60% takes ~12.5 years. Vybe Money's budget planner is where you dial that number.
Connected to your real portfolio
The FIRE calculator inside Vybe Money reads your actual portfolio and monthly SIP, uses a blended expected return, and iterates each year until your corpus crosses the inflation-adjusted target. It's not a toy calculator — it's the same math a financial planner would run for you, with fewer opinions and no cross-selling.