🏖️ Coast FIRE Calculator

When can you stop saving and let your investments do the work?

⚠️ Important Legal Notice

Return Assumptions: Projections assume consistent returns which rarely occur in reality.
Inflation Risk: Actual inflation may differ significantly from assumptions, affecting purchasing power.
Not Financial Advice: Coast FIRE is a concept, not a guaranteed path. Professional advice recommended.

Current Age

Target Retirement Age

Current Investments (₹)

Target Retirement Corpus (₹)

Expected Annual Return (%)

🎯 Your Coast FIRE Number

₹0

Gap to Coast

₹0

Years to Grow

💡 What is Coast FIRE?

Coast FIRE means you've saved enough that compound growth alone will reach your retirement goal — you can stop actively saving and just "coast" to retirement. You still work and cover expenses, but no longer need to save aggressively.

📋 Assumptions Used v1.0

View full assumptions changelog →

Compounding: Annual compounding assumed
Returns: Pre-tax nominal returns (adjust for inflation separately)
No additional contributions: Coast FIRE assumes you stop saving after reaching the number
Target corpus: Should already account for inflation to retirement date

Data verified: January 2026

🧮 How This Calculator Works

Coast FIRE Number = Target Corpus ÷ (1 + r)^n

                                Coast Number = Target / (1 + annual_rate)^years_to_retirement

                                If Current Savings ≥ Coast Number → You've reached Coast FIRE!

                                If Current Savings < Coast Number → Gap=Coast Number - Current