Coast FIRE Calculator
Coast FIRE is the point at which you have saved enough that your investments will grow to your retirement goal on their own. After that you only need to earn enough to cover current expenses.
Results
Coast FIRE number
₹59,24,721
- Where you stand
- ₹34,24,721 more needed to reach Coast FIRE
- Still needed
- ₹34,24,721
- FIRE number at retirement
- ₹1,80,00,000
- Your investments at retirement (today's money)
- ₹75,95,294
You need ₹59,24,721 invested today to coast to ₹1,80,00,000 by age 60 without saving more. You are ₹34,24,721 short.
Show the calculation steps
- FIRE number at retirement = annual expenses ÷ withdrawal rate = ₹7,20,000 ÷ 4% = ₹1,80,00,000 (today's money).
- Real return = (1 + 10%) ÷ (1 + 6%) − 1 = 3.77%.
- Coast FIRE number = FIRE number ÷ (1 + real return)^30 = ₹59,24,721.
- Your ₹25,00,000 grows to ₹75,95,294 in 30 years at the real return.
- Coast FIRE means you have already saved enough that growth alone will reach your retirement goal; you only need to earn enough to cover current expenses.
The idea of coasting
If your investments are already large enough, time and compounding do the rest. You can then take a lower-stress job or work part-time without threatening your retirement date.
What the number depends on
Your Coast FIRE number falls the longer you have until retirement and the higher your real return, and rises with your retirement spending.
Formula
FIRE number = Annual expenses ÷ Withdrawal rate
Coast FIRE number = FIRE number ÷ (1 + real return)^years to retirement
Where:
- Real return
- = (1 + return) ÷ (1 + inflation) − 1
- years
- = Years until your retirement age
Example calculation
Age 30, retire at 60, ₹60,000 a month, ₹25 lakh invested
Inputs
- Current Age
- 30 years
- Traditional Retirement Age
- 60 years
- Monthly Retirement Expenses (Today's Money)
- ₹60,000
- Safe Withdrawal Rate
- 4 %
- Current Investments
- ₹25,00,000
- Expected Annual Return
- 10 %
- Expected Inflation
- 6 %
Result
- Coast FIRE number
- ₹59,24,721
- Where you stand
- ₹34,24,721 more needed to reach Coast FIRE
- Still needed
- ₹34,24,721
- FIRE number at retirement
- ₹1,80,00,000
- Your investments at retirement (today's money)
- ₹75,95,294
Step-by-step
- FIRE number at retirement = annual expenses ÷ withdrawal rate = ₹7,20,000 ÷ 4% = ₹1,80,00,000 (today's money).
- Real return = (1 + 10%) ÷ (1 + 6%) − 1 = 3.77%.
- Coast FIRE number = FIRE number ÷ (1 + real return)^30 = ₹59,24,721.
- Your ₹25,00,000 grows to ₹75,95,294 in 30 years at the real return.
Important notes
- Uses real returns so all figures are in today's money. Returns are not guaranteed.
Disclaimer: This calculator provides estimates for informational purposes and should not be considered financial advice. Actual figures from lenders, banks and investment products can differ because of fees, taxes, rounding rules and changing rates. Consult a qualified professional before making financial decisions.
Frequently asked questions
What is Coast FIRE?
Having enough invested that, without adding another rupee, it will grow to your retirement number by your target age.
Can I stop investing at Coast FIRE?
Mathematically yes, if returns match your assumptions, but most people keep a margin of safety.
How is it different from FIRE?
FIRE is the number you need to stop working now. Coast FIRE is the number you need now to stop saving.
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