Securing Hannav Ledger...
Securing Hannav Ledger...
Calculate your Coast FIRE number in India — the portfolio you need so compounding alone can fund traditional-age retirement without further contributions.
Enter variables to compute real-time projections
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Coast = FIRE_at_retirement / (1+r)^n; years until portfolio ≥ CoastCoast FIRE number and years-to-coast simulation.
Coast FIRE means you have saved enough that — if you never invest another rupee — compounding can still grow the portfolio to a full FIRE/retirement corpus by a traditional retirement age. You may still work for lifestyle expenses.
Inflate today’s FIRE number to retirement age, then discount it back at your expected return: Coast = FIRE_retirement ÷ (1+r)^n. Years-to-coast simulates when your portfolio (with optional ongoing SIP) reaches that coast number.
Coast FIRE is popular with dual-income metro households who want career flexibility before 40 while keeping EPF/NPS running. Healthcare and family obligations still need cash-flow planning.
Full FIRE lets you stop working for money soon. Coast FIRE lets you stop aggressive saving sooner but usually not withdrawals yet. Compare with the [FIRE Calculator](/calculators/fire-calculator).
Keep a lean emergency fund, maintain health insurance, and optionally run a small SIP for goals. Revisit numbers when inflation or family size changes.