Coast FIRE Calculator

What is the Coast FIRE Calculator?

Coast FIRE is the point where your existing investments are large enough to grow into your full retirement corpus by your target retirement age, even if you never invest another rupee. After that, you only need to earn enough to cover current expenses.

Enter your age, target retirement age, annual expenses, withdrawal rate, inflation, expected return and current investments. The calculator shows the Coast FIRE number today, whether you have reached it, and what your current investments will grow to.

How to use the Coast FIRE Calculator

1. Current Age (sample: 30)
2. Target Retirement Age (sample: 55)
3. Current Annual Expenses (₹) (sample: 12,00,000)
4. Safe Withdrawal Rate (%) (sample: 4)
5. Inflation (% per year) (sample: 6)
6. Expected Return (% per year) (sample: 11)
7. Current Investments (₹) (sample: 20,00,000)
8. Press Check Coast FIRE (results also refresh as you type). The result card shows the Coast FIRE Number (Today), along with Status, FIRE number at retirement, Current investments at retirement (no new money) and Years to retirement.

Formula used

Coast FIRE number = FIRE number at retirement ÷ (1 + return)^years

• FIRE number at retirement = Annual expenses × (1 + inflation)^years ÷ withdrawal rate

Reaching Coast FIRE early in your career gives the freedom to take lower-paying or part-time work.

Worked example

These are the sample values already filled in the calculator above, and the result it returns for them:

Tips for using the Coast FIRE Calculator

• The earlier you start, the smaller the Coast FIRE number, thanks to decades of compounding.
• Use a conservative real return (return minus inflation) to avoid overestimating.
• Keep investing if you can — Coast FIRE is a floor, not a finish line.