Coast FI Calculator
Your last SIP debit leaves in Jul 2040 — age 44. After that, your money coasts to the target on its own.
14y of SIPs build ₹4.70 Cr; from there, 12% compounding alone reaches ₹9.62 Cr by 50 — ₹3.00 Cr in today's money. Like cutting your scooter's engine at the top of a slope: the climbing is done, the road rolls you home.
Time to coast point
14y
last SIP: Jul 2040 · age 44
Coast number · today
₹88.3 L
you hold ₹20.0 L — 23% of the way
Corpus at coast point
₹4.70 Cr
the day SIPs become optional
Coasting time
6y
zero SIP, target still met
Target at retirement
₹9.62 Cr
= ₹3.00 Cr in today's money @ 6% infl.
Monthly SIP
₹50k/mo
stepping up 10%/yr · ₹6.0 L this year
COAST POINT
Jul 2040 · age 44
What coasting buys you
Stop the SIP at your coast point and this is what you keep — versus running every instalment to 50.
₹1.76 Cr
of planned SIPs you never have to make
72
months with no SIP debit — 6y of freedom
₹1.68 Cr
left to invest before you can coast
The road, in moments
now · age 30
Today · ₹20.0 L invested
Jul 2031 · age 35
Growth out-earns your SIP
Apr 2032 · age 35y 9m
Corpus crosses ₹1.00 Cr
Dec 2036 · age 40y 5m
Corpus crosses ₹2.50 Cr
Jul 2040 · age 44
Coast point — SIPs optional
Dec 2040 · age 44y 5m
Corpus crosses ₹5.00 Cr
Jul 2046 · age 50
Retire · ₹12.12 Cr
Who's doing the work
Each year: what growth added vs what your SIP added. From age 35, compounding adds more than you do — it carries 16 of your 20 years.
31age50
If returns differ
Coast age across return × SIP. Your current setting is boxed.
| ret↓ | ₹25k | ▸ ₹50k | ₹75k | ₹1.0 L |
|---|---|---|---|---|
| 9% | — | — | 45.6 | 41.8 |
| 10% | — | — | 43.3 | 39.9 |
| 11% | — | 47.3 | 41.0 | 38.1 |
| 12% | — | 44.0 | 38.8 | 36.4 |
| 13% | — | 40.9 | 36.8 | 35.0 |
| 14% | — | 38.2 | 35.2 | 33.8 |
| 15% | 44.4 | 35.8 | 33.7 | 32.8 |
Stress test
Same plan, tougher conditions. Each row is a full re-projection.
BEAR9% return
no coast · ₹8.51 Cr at 50 vs ₹9.62 Cr
short ₹1.11 CrBASE12% return
coast at 44 · ₹12.12 Cr at 50 vs ₹9.62 Cr
clearsBULL15% return
coast at 35y 10m · ₹17.86 Cr at 50 vs ₹9.62 Cr
clearsHOT CPI8% inflation
no coast · ₹12.12 Cr at 50 vs ₹13.98 Cr
short ₹1.86 CrSame math as the live calculator: SIP lands at the start of each month, compounds at 12% ÷ 12, step-up applies at year boundaries. The coast number at any month is the corpus that grows — alone, no further SIP — to ₹9.62 Cr by age 50 (your ₹3.00 Cr today, inflated at 6%). Coasting works only if returns hold; the stress panel shows the cost when they don't. Model, not advice.