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Coast FIRE Calculator for India

Coast FIRE is the point where the money you have already invested, left alone, grows to your full FIRE number by the age you want to stop working. After that you only need to earn enough to cover today's spending. Enter your expenses, ages and investments to see your Coast FIRE number and when you could reach it.

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Calculator and results

Your FIRE number at 55 is ₹7,35,74,927. To coast there with no more investing, you need ₹43,27,920 invested today at an assumed 12% return. You have ₹10,00,000, ₹33,27,920 short. Investing ₹40,000 a month, you reach Coast FIRE in 12 years 2 months, at about age 42.

yrs
yrs
₹

Lower for Lean FIRE, higher for Fat FIRE: the maths is the same.

%

An assumption for your own spending.

%

An assumption. The default matches our FIRE calculator.

%

An assumption, not a promise.

₹
₹

Coast FIRE number today

₹43,27,920

Not reached yet

Short of Coast FIRE by

₹33,27,920

you have ₹10,00,000

Coast FIRE reached

Age 42

in 12 years 2 months at ₹40,000/mo

FIRE number

₹7,35,74,927

at age 55

SIP for full FIRE on time

₹29,814

for comparison

Current investments at FIRE age

₹1,70,00,064

with no more investing

The Coast FIRE number rises each year at 12%, because fewer years are left to grow. You reach it before your FIRE age only by investing more than the SIP that just reaches full FIRE on time. Lean and Fat FIRE are the same maths with lower or higher spending; see the FIRE calculator.

Year by year
Year by year
YearAgeYour portfolioCoast FIRE number
131₹16,32,373₹48,47,271
232₹23,44,128₹54,28,943
333₹31,45,234₹60,80,417
434₹40,46,913₹68,10,067
535₹50,61,796₹76,27,275
636₹62,04,104₹85,42,548
737₹74,89,841₹95,67,653
838₹89,37,026₹1,07,15,772
939₹1,05,65,939₹1,20,01,664
1040₹1,23,99,411₹1,34,41,864
1141₹1,44,63,143₹1,50,54,888
1242₹1,67,86,063₹1,68,61,474
1343₹1,94,00,739₹1,88,84,851
1444₹2,23,43,830₹2,11,51,033
1545₹2,56,56,606₹2,36,89,157
1646₹2,93,85,521₹2,65,31,856
1747₹3,35,82,874₹2,97,15,679
1848₹3,83,07,535₹3,32,81,560
1949₹4,36,25,778₹3,72,75,348
2050₹4,96,12,210₹4,17,48,389
2151₹5,63,50,817₹4,67,58,196
2252₹6,39,36,147₹5,23,69,179
2353₹7,24,74,639₹5,86,53,481
2454₹8,20,86,116₹6,56,91,899
2555₹9,29,05,468₹7,35,74,927

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Coast FIRE number

₹43,27,920

Short ₹33,27,920
What it is:
A Coast FIRE calculator for Indian households, using the same FIRE number as our FIRE calculator.
What it calculates:
The amount you need invested today to coast to your FIRE number, how far your current investments are from it, and the age you reach it if you keep investing a monthly amount.

Key Assumptions

  • Expenses rise at a constant inflation rate and investments grow at a constant return; real returns vary from year to year.
  • The safe withdrawal rate is an assumption, not a guarantee that the corpus lasts.
  • Monthly investments are made at the start of each month at the annual return divided by 12.
  • Tax on gains and withdrawals is not modelled.

How does the Coast FIRE Calculator work?

Your FIRE number is worked out exactly as on our FIRE calculator: annual expenses grown at your inflation rate to the FIRE age, divided by the safe withdrawal rate.

The Coast FIRE number is that FIRE number discounted back to today at your expected return. If your current investments are at or above it, they can coast: no further investing is needed for them to reach the FIRE number by your FIRE age, if the return holds.

If you are not there yet, the calculator adds the monthly amount you keep investing (start of each month, at the return divided by 12) and checks month by month when your portfolio first reaches the Coast FIRE number for that date. That month is your Coast FIRE age.

The Coast FIRE number for a later date is higher, because there are fewer years left to grow. So you reach Coast FIRE early only by investing well above the SIP that just reaches the FIRE number on time; the calculator shows that SIP for comparison.

Lean FIRE and Fat FIRE are not separate calculations: they are the same maths with lower or higher spending. Change the annual expenses here, or on the FIRE calculator, to see each.

Coast FIRE Calculator formula

FIRE number = E x (1 + f)^t / w; Coast FIRE today = FIRE number / (1 + r)^t

E
= annual expenses today
f
= inflation per year, as a decimal
t
= years to FIRE = FIRE age - current age
w
= safe withdrawal rate, as a decimal
r
= expected annual return, as a decimal

Coast FIRE is reached in month m when C x (1 + r)^(m/12) + SIP value after m months >= FIRE number / (1 + r)^(t - m/12), where C is your current investments.

Coast FIRE Calculator: worked example

Age 30, FIRE at 55, spending ₹6,00,000 a year, ₹10,00,000 invested, ₹40,000 a month more

FIRE number at 55 (3.5% withdrawal rate)
₹7,35,74,927
Coast FIRE number today at 12%
₹43,27,920
Short of Coast FIRE today by
₹33,27,920
Coast FIRE reached
In 12 years 2 months
SIP that just reaches full FIRE on time
₹29,814

Coast FIRE Calculator: frequently asked questions

What is Coast FIRE?
It is the stage at which your existing investments, with no further contributions, will grow to your FIRE number by your target age. You still need income to pay today's bills, but you no longer need to save for retirement, so a lower-paid or part-time job becomes an option.
How is the Coast FIRE number calculated?
Work out your FIRE number at the target age, then divide it by (1 + expected return) raised to the number of years left. At a 12% return over 25 years, the Coast FIRE number is about one-seventeenth of the FIRE number.
Why does it take so long to reach Coast FIRE with my SIP?
The Coast FIRE number rises every year at your expected return, because the time left to grow shrinks. Your portfolio only catches it when what you have put in, valued today, covers the gap. A SIP just large enough to reach the FIRE number on time reaches Coast FIRE only at the very end; a larger SIP gets you there years earlier.
What about Lean FIRE and Fat FIRE?
They use the same maths with different spending. Lean FIRE plans for a frugal budget, Fat FIRE for a generous one. Enter the spending you have in mind here or on the FIRE calculator to see the number for each.
Is reaching Coast FIRE safe?
Only as safe as the return you assume. A lower return than planned, or higher inflation, can leave you short at the FIRE age. Many people keep investing a little after reaching Coast FIRE, and re-check the numbers each year.

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Reviewed by Pradipta Ray, MBA (Finance) · Updated