Coast FIRE is reached when your current investments, left untouched, will grow to fund your retirement without any additional contributions. You still work (to cover current expenses) but the retirement problem is 'solved.'

How do you calculate Coast FIRE number?

Coast FIRE Number = FIRE Target ÷ (1 + expected return)^years to retirement. E.g., FIRE target ₹3 crore in 25 years at 12% return → Coast FIRE number = 3,0,00,000 ÷ (1.12)^25 ≈ ₹29 lakh today.

What is the difference between Coast FIRE and Barista FIRE?

Coast FIRE means stopping additional investments but continuing to work to cover expenses. Barista FIRE means partially retiring — working part-time to cover basic expenses while your corpus grows. Both are strategies for 'semi-retirement.'

Coast FIRE Calculator

Find the corpus you need today so it grows to your FIRE target without another rupee invested — and calculate when you can stop saving entirely.

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Quick Summary: Coast FIRE Calculator

Coast FIRE is the point where you already have enough invested such that, without any further contributions, your corpus will grow to your target retirement number by age 60. In FY 2026-27, reaching this milestone allows you to switch to a lower-stress job and only work to cover your current living expenses.

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Regulatory Disclaimer

Last verified May 2026

Statutory Disclosure

Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.

Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."

Consult a SEBI-registered IA or CA for personalised advice.

9 out of 10 traders in F&O incurred net losses (SEBI 2023). Tax estimates based on IT Act 2025. Trezoriq is not liable for financial decisions based on results.