I want to stop working early
What is the number, and how far off am I?
Pick the question, not the course
Free calculators you can open right now, and a live class when you want to go deeper.
Start with the decision in front of you
Pick what is on your mind. Each one opens a free calculator.
Should I prepay my home loan?
Or put the same money in an index fund?
My bonus just landed
How much of it survives the tax?
I got a big salary jump
Why does the bank account not feel any different?
I am paying too much tax
What do I owe once 80C is used up?
The next live class
One hour on Zoom. Seats are capped so everyone gets their question in.
The FIRE Number Masterclass
A focused one-hour live session to calculate your FIRE number and leave with a clear next step.
Harman Singh
NISM XA and XB certified
- Fri, 2 Oct, 10:00 AM IST
- 1 hour
- English and Hindi
- Calculate your own FIRE number
- Split your money into three buckets
- Know how you will draw it down each year
498seats, so everyone gets their question in
₹99₹999
90% off right now
What actually happens in the hour
No slides about the magic of compounding. A sheet goes on screen and your figures go into it.
Set your target
10 minEveryone guesses a round number. Two crore, five crore. We work out what your life costs instead.
Calculate your FIRE number
25 minTwenty five times your annual spend, adjusted for the inflation you will actually face.
Map your money
15 minWhere your money sits today, and how much of it is doing nothing.
Your next step
10 minOne change to make this week. You will not get a reading list.
1 hour in totalRecording lands within 24 hours. The sheet is yours for good.
If it teaches you nothing, it is free
If you finish the class and feel you learned nothing new, write to harman@qubera.club within 7 days. We refund the full amount, no form and no questions. We can make that promise because almost nobody takes it.
Questions people ask
What is a FIRE number?
It is the size of corpus at which your investments can pay for your life without your salary. Retirement is not an age, it is that point. Reaching it around 40 is usually called FIRE, around 50 early retirement, and around 60 the traditional kind. The arithmetic is the same for all three, but the earlier you stop the longer the money has to last, which is why a FIRE number is so much larger than people expect.
I already have EPF, PPF and NPS. Is that not my retirement plan?
They can be important parts of a retirement plan, but their access rules differ. EPF permits withdrawals in specified circumstances, PPF has a 15-year maturity with limited earlier withdrawals, and NPS has rules for partial withdrawals and early exit. If you plan to stop work before 60, check the rules that apply to you and calculate how much accessible money you need to bridge the gap. We work through that calculation in class.
Do I need to be good at maths?
No. Three formulas do the whole job, present value, future value and PMT, and we fill them in together on your numbers rather than deriving anything. If you can use a calculator you can follow every step.
How do I join the masterclass?
You get a joining link by email and WhatsApp as soon as you book, again 24 hours before, and once more an hour before we start. The link works on a phone and on a laptop. Nothing to install.
What if I cannot attend live?
Book anyway. The recording opens within 24 hours and stays available for 7 days, along with every worksheet. The live session is better because you can ask questions, but you will not lose the material.
Which language is the class in?
Simple English, with Hindi used freely wherever it explains something faster. No finance jargon without a plain explanation first.
I know nothing about investing. Is this too advanced?
It is built for someone starting from zero. We begin with what a FIRE number even means, and every tool is filled in live so you are never left looking at a blank spreadsheet.
I already invest. Will I learn anything new?
The parts most existing investors take away are the bridge to 60, the withdrawal order across nine products, and seeing their own FIRE number in the rupees of the year they actually stop rather than today's. If none of that is new to you, take the refund. That is why it exists.
Is this investment advice?
No. This is education. We show you the method, the maths and the tools. We do not recommend specific securities, and we do not sell you a product at the end. For advice on your personal situation, speak to a SEBI registered investment adviser.
What is the refund policy?
If the class did not teach you anything new, write to harman@qubera.club within 7 days and we refund the full amount. No form, no questions.
Will you try to sell me something in the class?
There is no pitch at the end. We mention our other masterclasses once, briefly, and then get back to your questions.