The FIRE Number Masterclass
Work out the number that lets you stop working, and exactly which products hold it at every age. Built around Indian tax rules and Indian access restrictions, not an American blog post.
Price goes to ₹199 two days before the class
498seats left for this live class
Harman Singh
NISM XA and XB certified
Live in 2 days. Recording for 7 days if you cannot make it.
500
Households advised by Harman
7 days
Money back
1 hour
Live session
6 worksheets
Tools included
What is a FIRE number?
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.
Retirement risk is not just running out of money. It is running out of the right money at the wrong time.
FIRE
Plan for a long retirement and a bridge funded by money you can access. EPF, PPF and NPS have different withdrawal and exit rules.
Early retirement
Check when each part of your savings becomes available, then plan accessible funds for the years before your expected withdrawals.
Traditional retirement
Some retirement products have more flexible exit options at this age. Your required corpus still depends on spending and lifespan.
Withdrawal and exit rules vary by account and circumstances. Check the current official guidance for EPF, PPF, and NPS.
What you walk out with
Three useful takeaways from one focused hour.
Calculate your own FIRE number
Built from your spending, your inflation assumption and the number of years the corpus actually has to last. Not a multiple somebody quoted on YouTube.
Split your money into three buckets
What sits in NOW, what funds the FIRE years and what waits until 60. Retiring early is a sequencing problem before it is a saving one.
Know how you will draw it down each year
Leave with a practical first step for putting your plan into action.
What we cover in one hour
A practical live session with a clear outcome at every step.
Set your target
0 minDefine the lifestyle and retirement age you are planning for.
Calculate your FIRE number
10 minUse your own spending assumptions to estimate the corpus you need.
Map your money
35 minSee how your savings and investments can support each stage.
Your next step
50 minLeave with a simple action plan and time for questions.
You leave with the calculator
Free, no signup. We fill it in together with your numbers during the class, and the bridge figure is the one most people have never seen.
Open the calculatorThe Qubera FIRE Calculator
What you put in
- Annual expenses today
- Your age now
- The age you want to stop working
- Invested so far
- You invest per year
- Share of it locked till 60
- Inflation, return and the age you plan until
What it gives you
- Your FIRE number
- in the rupees of the year you stop
- Extra to invest monthly
- what closes the gap
- Bridge to 60 needs
- money you can actually reach
- Accessible surplus
- or the shortfall nobody counts
- Money lasts until age
- simulated year by year
- First year withdrawal rate
- a result, not an input
Taught by Harman Singh
NISM XA and XB certified
Harman has advised 500 households himself and leads a team of eight serving 5,000 more. He teaches on Indian salaries and Indian tax, not on imported American advice.
- NISM Series XA and XB certified · Investment adviser modules
- Advised 500 households personally
- Leads a team of eight serving 5,000 more
- PGDM in Finance
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.
The FIRE Number Masterclass
Fri, 2 Oct, 10:00 AM IST · 1 hour
Only 299 seats left at this price.
- 7 day recording
- All worksheets included
- 7 day money back