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Coast FIRE Calculator

Calculate your Coast FIRE number — the amount you need saved today so compound interest alone grows it to your retirement goal, without any additional contributions.

28
1855
50
3065
₹50,000
₹10,000₹5L
₹10,00,000
₹0₹5Cr
12%
4%20%
6%
2%12%
4%
2%6%

Coast FIRE Number

₹44,67,081

Progress

22.4%

FIRE Corpus Needed

₹5,40,53,061

Coast FIRE Progress22.4%
₹10,00,000₹44,67,081
Additional Amount Needed

₹34,67,081

Years to Retirement

22 years

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What is Coast FIRE?

Coast FIRE is a milestone where you've saved enough that compound interest alone will grow your savings to your full retirement goal — even if you never invest another rupee. Once you hit Coast FIRE, you only need to earn enough to cover your current expenses, freeing you to take lower-paying but more fulfilling work.

How is Coast FIRE Calculated?

The formula is: Coast FIRE Number = FIRE Number / (1 + r)^n, where r is the expected annual return and n is years until retirement. Your FIRE number is your inflation-adjusted annual expenses divided by your safe withdrawal rate.

Coast FIRE vs Regular FIRE

Regular FIRE means you can stop working entirely — your portfolio sustains you. Coast FIRE means you can stop saving for retirement, but still need to earn enough for current expenses. It's a stepping stone that offers partial financial freedom much earlier.

Frequently Asked Questions

What is the difference between Coast FIRE and regular FIRE?
Regular FIRE means complete financial independence — you can stop working. Coast FIRE means your retirement savings are on autopilot via compound interest, but you still need income to cover daily expenses. Coast FIRE is typically achieved much earlier than full FIRE.
How do I reach Coast FIRE faster?
Start investing as early as possible — compound interest needs time. Even small amounts in your 20s grow significantly by retirement. Maximize your savings rate early in your career, invest in equity for higher long-term returns, and keep expenses low.
Is 12% expected return realistic for India?
The Nifty 50 has returned approximately 12-14% CAGR over the last 20 years. For long-term equity investments (15+ years), 12% is a reasonable assumption. For a more conservative estimate, use 10%. These are pre-tax returns — consider tax implications on withdrawals.
Should I stop investing after reaching Coast FIRE?
Reaching Coast FIRE gives you the option to stop investing for retirement, but continuing to invest will let you retire even earlier or with a larger corpus. Many people use Coast FIRE as a signal to shift to lower-stress work rather than stop investing entirely.

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