What is Coast FIRE, and how is it calculated?

Coast FIRE represents the investment capital you need to have accumulated today such that, with zero additional investments, it will compound into your target retirement corpus by your target age at your expected return. Once you hit your Coast FIRE number, you only need to earn enough to cover current living expenses.

How should my portfolio be structured when executing a FIRE plan in India?

During the pre-FIRE accumulation phase, maintain 70%–80% in diversified equity mutual funds (Flexi-Cap, Mid-Cap, Multi-Cap). As you approach early retirement (24–36 months prior), glide 3–4 years of living expenses into liquid and arbitrage funds to create an SWP cash-flow bucket, shielding your lifestyle from equity market drawdowns.

FIRE (Early Retirement) Simulator

Buy back your calendar decades ahead of schedule.

Test Lean, Standard, and Fat FIRE milestones using Indian safe withdrawal metrics (33× rule / 3.03% SWR) and Coast FIRE targets.

Choose FIRE Strategy Mode

Balanced lifestyle: Models 100% of current monthly living standards.

Current Ageⓘ

Yrs

20 Yrs60 Yrs

Target FIRE Ageⓘ

Yrs

33 Yrs65 Yrs

Current Monthly Living Expensesⓘ

₹

₹25,000₹5,00,000

Existing Invested Net Worthⓘ

₹

₹0₹2,00,00,000

Monthly SIP Investment Capacityⓘ

₹

₹5,000₹5,00,000

Market & Inflation Assumptions

Annual Inflationⓘ

4%9%

Pre-FIRE Returnⓘ

8%16%

Post-FIRE Returnⓘ

6%12%

Total Goal Fund Needed

₹6,73,44,387

FIRE Strategy Tier Comparison Matrix

How lifestyle choices and expense budgets alter your target financial independence corpus.

FIRE Strategy Tier	Mode Multiplier	Projected Target Corpus	Coast FIRE Capital Needed
Lean FIRE	80% of Present Budget	₹5,38,75,503	₹1,23,46,875
Standard FIRE	100% of Present Budget	₹6,73,44,387	₹1,54,33,595
Fat FIRE	130% of Present Budget	₹8,75,47,680	₹2,00,63,669

Frequently Asked Questions & Expert Guidance

The famous US Trinity Study 4% rule assumes 2.5%–3.0% US inflation over a 30-year span. In India, retail CPI inflation averages 6.0%–7.0%, and life horizons for early retirees (age 40–45) extend 40 to 45+ years. A conservative 33x annual expense corpus (3.03% safe withdrawal rate) ensures your principal survives aggressive healthcare inflation and prolonged retirement duration.