Coast FIRE is a milestone where you have accumulated enough capital that, without adding another rupee, your portfolio will grow to your full FIRE number by traditional retirement age (e.g., 60). You can “coast”—work for lifestyle or passion rather than money—without needing to save aggressively.

For example, if you need ₹3 crore at 60 and have ₹50 lakh at 35, growing at 10% annually, you might already be at Coast FIRE. You can reduce savings, change careers, or work part-time while your investments compound.

Coast FIRE offers psychological relief: the pressure to save is off, even if you continue working.