Your FIRE number is the total amount of investable assets you need to consider yourself financially independent. It is typically calculated as 25 times your annual expenses (based on the 4% rule) or 33x if using a 3% withdrawal rate.

For example, if your annual expenses are ₹12 lakh, your FIRE number at 4% would be ₹3 crore (12 × 25). At 3%, it would be ₹4 crore.

The FIRE number is personal—it depends on your lifestyle, location, healthcare needs, and risk tolerance. Many people adjust their number over time as circumstances change.