Coast FIRE Calculator India

To use the Coast FIRE calculator in India, enter your age, your planned retirement age, your yearly expenses in retirement, and the value of your mutual funds, stocks, EPF, PPF, and NPS today. The calculator shows your Coast FIRE number: the corpus you need today so it can grow into your full retirement corpus without any further SIP.

1. Enter your Current Age.
2. Set your Retirement Age. Most private-sector jobs in India retire employees at 58 or 60. FIRE seekers often target 45 to 55.
3. Enter Annual Spending in Retirement in rupees, at today's prices. Multiply your monthly expenses by 12. ₹75,000 a month becomes ₹9,00,000 a year. Include health insurance premiums, which rise sharply after 60.
4. Enter Current Invested Assets. Add equity and debt mutual funds, direct stocks, EPF, PPF, NPS, and gold you hold as an investment. Leave out your house and emergency fund.
5. Enter your Monthly contribution. This is your total monthly SIP, plus your EPF contribution (yours and your employer's) and any regular PPF or NPS deposits.
6. Check Advanced Settings. Indian inflation runs higher than in the US or Europe. The Reserve Bank of India (RBI) targets 4% CPI inflation within a 2% to 6% band, and long-run household inflation for urban families often runs 6% or more. Set inflation to 6% and growth to 10% to 12% for an equity-heavy portfolio.

How to read your results

• Coast FIRE number: the corpus you need today.
• Progress: your current corpus as a share of that number.
• FIRE Nest Egg: the full corpus needed at retirement, in today's rupees.
• Coast Age: the age when you can stop your SIPs.
• Cash Freed: the yearly SIP amount you get back once you coast.
• Real Return: growth after inflation, the number that drives your plan.

Enter every amount in rupees. Depending on your browser settings, results may show Western comma grouping (7,408,195) in place of lakh grouping (74,08,195). The value is the same.

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The Coast FIRE calculator India finds your full retirement corpus, then discounts it by your real return for each year until retirement. In India, the gap between growth and inflation matters more than the growth rate alone.

The formula

FIRE Nest Egg     = Annual Spending ÷ Safe Withdrawal Rate
Real Return (r)   = (1 + Growth Rate) ÷ (1 + Inflation Rate) − 1
Coast FIRE Number = FIRE Nest Egg ÷ (1 + r)^Years

Worked example

Rohan is 28, works in Bengaluru, and wants to retire at 55. He spends ₹75,000 a month and plans for the same lifestyle in retirement. He uses 11% growth, 6% inflation, and a 3.5% withdrawal rate.

1. FIRE Nest Egg: ₹9,00,000 ÷ 0.035 = ₹2,57,14,286 (about ₹2.57 crore)
2. Real Return: 1.11 ÷ 1.06 − 1 = 4.72%
3. Growth factor over 27 years: 3.471
4. Coast FIRE number: ₹2.57 crore ÷ 3.471 = ₹74,08,195 (about ₹74 lakh)

Rohan has ₹15 lakh across mutual funds and EPF, so he's at 20%. With ₹40,000 a month in SIPs and EPF, he reaches Coast FIRE at age 47. If inflation averages 7% instead of 6%, his Coast FIRE number rises to about ₹95.5 lakh.

Factors that change your result

• Inflation. A 1% change in inflation moves the Coast FIRE number by roughly 29% in Rohan's case. Use your own family's cost increases, not just the headline CPI.
• Tax on gains. Long-term capital gains on listed equity and equity mutual funds are taxed at 12.5% above ₹1.25 lakh a year. Lower your growth rate slightly to allow for it.
• Lock-ins. EPF, PPF, and NPS have withdrawal rules and lock-in periods. Money you can't access early won't fund an early retirement.
• Healthcare. Medical inflation in India runs above general inflation. Budget a separate, higher amount for health cover.
• Rounding. Results are rounded to whole rupees, contributions are added yearly, and Coast Age is shown in whole years.

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