Coast FIRE Calculator
Find the point where your current investments alone will reach your retirement target with zero further contributions.
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📘 What is the Coast FIRE Calculator?
Coast FIRE is the point where your current investments, with zero further contributions, will still compound to your full retirement target by your planned retirement age. Reaching it does not mean you must stop working — many people use it as the green light to switch to lower-stress or lower-paying work without sacrificing their eventual retirement security.
⚙️ How Coast FIRE is calculated
How this differs from a standard FIRE number
A standard FIRE calculation assumes you keep contributing until retirement. Coast FIRE specifically asks whether your existing portfolio alone, given enough years left to compound, reaches the target — contributions become optional from that point forward.
The "Coast FIRE number today"
This calculator also shows the portfolio value needed right now to coast to your target — a useful benchmark even if you have not reached it yet, since it tells you exactly how much further compounding alone needs to close the gap.
Why years remaining matters as much as portfolio size
A smaller portfolio with many years left to compound can reach Coast FIRE before a larger portfolio with few years remaining — time, not just capital, is doing real work in this calculation.
Projected value at retirement
Projected = current portfolio × (1 + return)^years to retirement
🧮 Worked examples
Example — already at Coast FIRE
₹30,00,000 portfolio, 20 years to retirement, 11% expected return, target of ₹2,00,00,000.
→ Projected value at retirement ≈₹2.42 crore — exceeds the target, meaning Coast FIRE has already been reached
Using the Coast FIRE number today
Same 20-year horizon and target.
→ The portfolio needed today to coast to the target is ≈₹24.8 lakh — since the actual portfolio (₹30L) exceeds this, the result confirms Coast FIRE status
💡 Original insights & how to use this calculator
Deciding whether to switch to lower-stress work
If you have reached Coast FIRE, taking a lower-paying or less stressful job no longer jeopardises your eventual retirement target, since existing investments alone will get you there.
Knowing exactly how much more you need if you have not reached it
The shortfall figure shows precisely how much additional portfolio value (today) would close the gap, which is more actionable than knowing only the eventual retirement target.
Revisiting the calculation as circumstances change
Re-run this whenever your portfolio value, expected return assumption, or retirement timeline changes meaningfully, since all three directly affect whether Coast FIRE status holds.
💡 Expert Tips
Reaching Coast FIRE doesn't mean you have to stop working — many people use it to justify switching to lower-stress or lower-paying work.
Re-run this calculator whenever your portfolio value or retirement timeline changes meaningfully.
How to read your result
Coast FIRE tells you the point where your existing investments alone, left untouched, will grow to your target by retirement — reaching it means you can stop contributing without derailing your retirement, but you're not there yet if you haven't hit the 'today' number this calculator shows.
⚠️ Common Mistakes
✕ Stopping contributions the moment you're close to the Coast FIRE number, not once you've actually reached it.
✓ Being close isn't the same as being there — the projection assumes the full calculated amount is already invested and compounding, not most of the way there.
✕ Assuming 'coasting' means no income is needed at all.
✓ Coast FIRE means your retirement portfolio doesn't need further contributions — you still need to cover current living expenses from some income source until your actual retirement date.
Frequently Asked
What is Coast FIRE?▾
The point where your existing investments, left untouched, will grow to your full retirement target by your planned retirement age purely from compounding.
🔎 Explore related calculators
Lean FIRE Calculator
Example — 30% expense reduction
Lean annual expense = ₹4,20,000, Lean FIRE number = ₹1,05,00,000, reached in approximately 11.8 years