Coast FIRE Calculator
Determine if your existing investment portfolio can compound on autopilot to fund your traditional retirement without saving another rupee.
🎉 You have reached Coast FIRE! Your current portfolio will fund your retirement.
*Computed using real purchasing power compounding without additional monthly savings.
Important Educational Disclaimer for Calculator Results:
Calculations are estimates based on your entered inputs and selected return or inflation assumptions. Results are illustrative, hypothetical, and not guaranteed. Actual market returns, interest rates, tax liabilities, and inflation rates will vary and may materially alter your final outcome. This calculator does not constitute financial, investment, or tax advice.
Have you reached your Coast FIRE milestone?
To fully fund your retirement at age 60 (33 years away) with ₹6,00,000/year in today's expenses, you need a Coast FIRE corpus of ₹24,37,755 invested today.
- Target Retirement Corpus (at age 60): ₹1,50,00,000 (in today's purchasing power).
- Required Coast Amount Today: ₹24,37,755.
- Your Current Portfolio: ₹25,00,000 (🎉 Coast FIRE Achieved with a surplus of +₹62,245!).
- Once you hit Coast FIRE, you only need to earn enough to cover your day-to-day living expenses. You can switch to passion projects, lower-stress work, or freelancing without worrying about retirement savings.
How This Calculator Works
Calculates the present value of your required retirement corpus discounted at the real rate of return (Nominal Return - Inflation) over the years remaining until traditional retirement.
Coast FIRE Today = Target Corpus / (1 + Real Rate of Return)^YearsVariables in Formula:
Worked Step-by-Step Example
A 27-year-old with ₹25 Lakhs invested who wants ₹50,000/month (₹6L/year in today's money) at age 60, expecting 12% equity return and 6% inflation.
Key takeaway: Since the investor already holds ₹25.0 Lakhs, they have officially achieved Coast FIRE at age 27! Compounding alone will grow their wealth to ₹1.5+ Crores (in today's purchasing power) by age 60.
Common Mistakes to Avoid
⚠ Liquidating or spending the Coast portfolio
Coast FIRE only works if your existing portfolio remains 100% untouched and continuously invested in productive compounding assets.
⚠ Ignoring lifestyle creep
If your future living expenses increase significantly due to kids or upgrading homes, your Coast FIRE target will also shift higher.
Frequently Asked Questions
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Educational Reading
Calculator = one answer. Financial Health Check = your full picture.
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