Coast FIRE Calculator India — When to Stop Investing
Coast FIRE is a variant of the FIRE movement where you reach a savings milestone — called the Coast FIRE number — beyond which you no longer need to make any new investments. Your existing corpus, left untouched, will compound on its own to your full FIRE number by your target retirement age.
The beauty of Coast FIRE: once you hit this number, you only need to earn enough to cover your living expenses (not invest anymore). This could mean switching to a less stressful job, going part-time, or taking career breaks — without falling behind on your FIRE goal.
Coast FIRE number = FIRE corpus target ÷ (1 + CAGR)^Years to retirement
This is the present value of your FIRE target.
Example: FIRE target = ₹3 crore | Target age = 50 | Current age = 30 | CAGR = 12%
• Coast FIRE = ₹3 crore ÷ (1.12)^20 = ₹3 crore ÷ 9.65 = ₹31 lakh
This means if you have ₹31 lakh at age 30 and never invest another rupee, it grows to ₹3 crore by age 50 at 12% CAGR.
1. Enter your current age and FIRE target age
2. Enter your FIRE corpus target — use our FIRE Corpus Calculator to find this number
3. Enter your current savings — all investments combined
4. Enter your monthly SIP — ongoing monthly investment
5. Calculator tells you your Coast FIRE number, whether you have reached it, and how many years to reach it
• Know when to ease off: Stop the high-pressure savings grind once you hit Coast FIRE
• Work-life balance: Take a lower-paying job you love without worrying about retirement
• Mental freedom: Even if you cannot reach full FIRE yet, Coast FIRE is an achievable milestone
• Validate your plan: Check if your current corpus is already doing the heavy lifting
Use our free calculators — no signup needed to calculate. Download your personalised PDF report free with account signup.
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