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Coast FIRE India (₹)

Find your Coast FIRE number in Indian Rupees — the point where you can stop saving and let your EPF, PPF, NPS, and other investments compound to retirement.

EPF • PPF • NPS • APY • Investments • 100% Free
Important: This calculator provides general estimates based on current Indian tax laws and pension schemes. EPF/PPF interest rates, NPS returns, and tax rules are subject to change. For personalised advice, consult a SEBI-registered financial advisor.

📊 Your Details

Enter your information and toggle government schemes to see the impact on your Coast FIRE target.

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🏛️ Employees' Provident Fund (EPF)
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EPF interest rate is currently ~8.15% (2025-26). Your final EPF corpus depends on your contribution, employer contribution, and interest accrued. The default ₹2,40,000/year assumes a corpus of ~₹30,00,000 at withdrawal.

💰 Public Provident Fund (PPF)
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PPF interest rate is currently ~7.1% (2025-26). PPF has a 15-year lock-in period, with partial withdrawals allowed from the 7th year. Maturity amount depends on your annual contribution (max ₹1,50,000/year under Section 80C).

📈 National Pension System (NPS)
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NPS is market-linked. At age 60, you can withdraw up to 60% of the corpus tax-free, and use the remaining 40% to buy an annuity. The default assumes a monthly annuity amount. NPS offers additional tax benefits under Section 80CCD(1B) up to ₹50,000.

👑 Atal Pension Yojana (APY)
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APY provides a guaranteed monthly pension based on your contribution tier (₹1,000 to ₹5,000 per month). The default assumes you are eligible for the minimum pension. APY is primarily for workers in the unorganised sector.

📊 Other Guaranteed Income
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Indian Tax & Retirement Note: EPF and PPF are EEE (Exempt-Exempt-Exempt) products — contributions, interest, and maturity are tax-free. NPS is EET (Exempt-Exempt-Tax) — contributions are tax-exempt, but withdrawals are partially taxed. APY provides a guaranteed pension. For accurate figures, check your EPF/PPF/NPS statements and consult a tax advisor.

📈 Your Results

See how EPF, PPF, NPS, APY, and other income reduce your Coast FIRE target.

Coast FIRE Target (No Schemes) ₹0
Coast FIRE Target (With Schemes) ₹0
Your Current Savings ₹0
Progress 0%
0% Coast FIRE Target 100%
Government Schemes & Income Reduce Your Target By
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0% less to save
💡 EPF and PPF are EEE products — your investments, interest, and maturity are completely tax-free. Use them to build your Coast FIRE foundation.

Based on retire at 60, 4% withdrawal, 6% inflation.

Disclaimer: This is a general estimate. Indian tax laws and pension schemes are subject to change. Consult a SEBI-registered financial advisor for personalised advice.

Indian Coast FIRE by Age

Based on ₹5,00,000 annual spending, 4% withdrawal rate, 10% expected return, 6% inflation, retiring at 60. All figures in today's Rupees.

Current Age Years to 60 Coast FIRE Number Full FIRE Number
2535₹34,86,732₹1,25,00,000
3030₹43,93,826₹1,25,00,000
3525₹55,34,925₹1,25,00,000
4020₹69,72,704₹1,25,00,000
4515₹87,83,896₹1,25,00,000
5010₹1,10,63,402₹1,25,00,000

Change your spending, return, inflation, or retirement age in the calculator above for your exact number. Figures are in today's purchasing power.

Indian Coast FIRE Insights

Key considerations for Coast FIRE planning in India.

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EPF — The Foundation

EPF is a mandatory scheme for salaried employees with a current interest rate of ~8.15%. Contributions are tax-deductible under Section 80C, and the maturity is tax-free. It's a risk-free, high-return asset that forms the backbone of your Coast FIRE plan.

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PPF — Long-Term Tax-Free Growth

PPF offers a 15-year lock-in period with a current interest rate of ~7.1%. It's a great debt option for long-term goals. Contributions up to ₹1.5 lakh/year qualify for tax deduction under Section 80C. Use PPF as your safe, tax-free bucket.

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NPS — Market-Linked Tax Efficiency

NPS provides additional tax benefits under Section 80CCD(1B) (up to ₹50,000). It is market-linked, so returns depend on your chosen asset allocation. At retirement, 60% of the corpus is tax-free, and the rest is used to buy an annuity.

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APY — Guaranteed Pension

APY is a government-backed scheme offering a guaranteed monthly pension (₹1,000 to ₹5,000) to workers in the unorganised sector. It provides a safety net and reduces the savings required for Coast FIRE by providing guaranteed income.

Frequently Asked Questions

Common questions about Coast FIRE in India.

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Disclaimer: This Coast FIRE Calculator provides estimates based on the information you enter. Results are for informational purposes only and do not constitute financial advice. Consult a SEBI-registered financial advisor before making financial decisions.
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