Coast FIRE examples illustrate when your existing corpus will grow to your FIRE number through compounding alone—no further contributions needed. You can then “coast” by covering current expenses with work while investments grow.

Example

• Target: ₹3 crore at age 50 (25x ₹12 lakh/year expenses).
• Current: ₹75 lakh at age 35, invested in equity (assuming 10% real return).
• Math: ₹75 lakh × (1.10)^15 ≈ ₹3.1 crore at 50.
• Result: You’ve reached Coast FIRE. You need only cover current expenses; no need to save more for retirement.

Variations

• Lean Coast — Smaller corpus, lower target, earlier coast point.
• Fat Coast — Larger corpus, higher target, coast later.
• Career flexibility — After coast point, you can take lower-stress jobs, career breaks, or side hustles without derailing FI.