Inflation in India for FIRE matters because your FIRE number and withdrawal rate must account for rising costs. India’s historical inflation (6–7% CPI) is higher than the US (2–3%), so planning assumptions differ.

Implications

• Higher corpus — Same lifestyle in India needs more nominal rupees over 30+ years due to inflation.
• Real returns — Use real (inflation-adjusted) returns when projecting; nominal returns minus inflation.
• Withdrawal — The 4% rule adjusts for inflation each year; in India, that adjustment is larger.

For FIRE

Use 6–7% inflation in your FIRE calculator and retirement corpus projections. Equity historically outpaces inflation over the long term; index funds and NPS equity help. Revisit assumptions periodically.