Currency & Region
Basic Information
Your Coast FIRE Number
You're 31.6% of the way there!
Regional Parameter Guide
USA (USD)
7% annual return (S&P 500 historical average), 3% inflation (long-term average), 4% safe withdrawal rate (standard). Most researched market with extensive FIRE data. Conservative and well-tested parameters. Suitable for US-based investors in diversified stock portfolios.
Canada (CAD)
6.5% annual return (TSX Composite average), 2.5% inflation (historically lower than US), 4% safe withdrawal rate. Similar to USA but slightly lower returns and inflation. Stable, developed market. Good for Canadian investors in domestic or North American portfolios.
India (INR)
10% annual return (Nifty 50/Sensex historical), 6% inflation (higher in emerging markets), 4% safe withdrawal rate. High growth potential but high inflation erodes gains. Real return (4%) similar to developed markets. Suitable for Indian investors comfortable with volatility.
UK/Europe (GBP/EUR)
6% annual return (FTSE 100/European indices), 2-2.5% inflation (low and stable), 4% safe withdrawal rate. Mature, stable markets with lower returns than USA. Conservative growth expectations. Appropriate for UK/European investors in domestic markets.
Coast FIRE for International Users
Real-World Examples
See how Coast FIRE calculations work across different currencies and regions.
Example 1: American Professional (USD)
Sarah, 30, lives in the USA with $150,000 saved, spending $50,000 annually, planning to retire at 65.
Calculation Steps
- Region: USA
- Parameters: 7% return, 3% inflation, 4% withdrawal
- Real Return: 7% - 3% = 4%
- Years to Retirement: 65 - 30 = 35 years
- Target Fund: $50,000 ÷ 0.04 = $1,250,000
- Coast FIRE: $1,250,000 ÷ (1.04)^35 = $315,520
Example 2: Indian Professional (INR)
Raj, 28, lives in India with ₹50,00,000 saved, spending ₹10,00,000 annually, planning to retire at 60.
Calculation Steps
- Region: India
- Parameters: 10% return, 6% inflation, 4% withdrawal
- Real Return: 10% - 6% = 4%
- Years to Retirement: 60 - 28 = 32 years
- Target Fund: ₹10,00,000 ÷ 0.04 = ₹2,50,00,000
- Coast FIRE: ₹2,50,00,000 ÷ (1.04)^32 = ₹72,24,000
Example 3: Canadian Couple (CAD)
Mike and Lisa, 35, live in Canada with C$250,000 saved, spending C$60,000 annually, planning to retire at 65.
Calculation Steps
- Region: Canada
- Parameters: 6.5% return, 2.5% inflation, 4% withdrawal
- Real Return: 6.5% - 2.5% = 4%
- Years to Retirement: 65 - 35 = 30 years
- Target Fund: C$60,000 ÷ 0.04 = C$1,500,000
- Coast FIRE: C$1,500,000 ÷ (1.04)^30 = C$462,243
How to Use the International Calculator
Six simple steps to calculate your Coast FIRE number in any currency.
Select Your Currency and Region
Choose your local currency from the dropdown menu (USD, CAD, INR, GBP, EUR, AUD, CNY). The calculator automatically selects the corresponding region and loads appropriate investment parameters. You can manually change the region if you invest in a different market than your currency suggests.
Enter Your Current Age and Savings
Input your current age (18-80) and total savings in your chosen currency. Include all retirement accounts, investment portfolios, and liquid assets that will grow toward retirement. Don't include home equity unless you plan to downsize. Your current savings are the starting point for Coast FIRE calculations.
Input Annual Expenses in Local Currency
Enter your expected annual spending in retirement using your local currency. Be realistic about costs in your region—₹10,00,000 in India, £40,000 in UK, or C$60,000 in Canada. Consider healthcare, housing, food, transportation, and leisure. Adjust for your local cost of living.
Set Your Expected Retirement Age
Choose when you plan to retire (must be greater than current age, up to 100). This determines how many years your money has to grow. Earlier retirement requires a higher Coast FIRE number since your money has less time to compound. Standard retirement ages vary by country.
Review or Adjust Regional Parameters
Check the pre-loaded annual return rate, inflation rate, and safe withdrawal rate for your region. These are based on historical averages but you can adjust them based on your personal investment strategy, risk tolerance, or market outlook. Click 'Advanced Parameters' to customize these values.
View Your Coast FIRE Number
See your Coast FIRE number displayed in your chosen currency with proper formatting. The calculator shows whether you've achieved Coast FIRE, how much more you need if not, and your progress percentage. Real return rate (after inflation) is displayed to help you understand the actual growth rate.
Why Use the International Version?
Specialized features for global Coast FIRE planning.
Multi-Currency Support
Calculate in your local currency without manual conversion. Supports USD, CAD, INR, GBP, EUR, AUD, and CNY with proper currency symbols and formatting. Indian Rupees use the correct lakhs system (₹10,00,000), Euros use European decimal format (€100.000,00), ensuring accurate and familiar number displays.
Region-Specific Parameters
Pre-loaded investment return rates, inflation rates, and safe withdrawal rates based on historical data from your region's stock market. USA uses S&P 500 averages, India uses Nifty 50 data, Canada uses TSX Composite, UK uses FTSE 100, and so on. These presets provide realistic starting points you can adjust.
Inflation-Adjusted Returns
Automatically calculates real return rates by subtracting inflation from nominal returns. This is crucial for high-inflation countries like India where 10% returns minus 6% inflation equals 4% real growth. The calculator shows both nominal and real returns for transparency.
Global Market Awareness
Recognizes that not all markets perform like the US. Emerging markets like India and China offer higher growth potential but with higher volatility and inflation. Developed markets like UK and Europe offer stability but lower returns. Choose parameters that match your investment reality.
Understanding the Parameters
Key parameters that affect your international Coast FIRE calculation.
Currency
Your local currency for calculations and display. Choose from USD, CAD, INR, GBP, EUR, AUD, or CNY. The calculator automatically formats numbers according to your currency's conventions (decimal points, thousand separators, currency symbols).
Region
Geographic region that determines preset investment parameters. Each region has different historical stock market returns, inflation rates, and safe withdrawal rate recommendations. Automatically set based on currency but can be manually adjusted.
Current Age
Your age today (18-80 years). Younger ages benefit more from compound growth over time. The calculator uses this to determine how many years your money will grow before retirement. Age differences significantly impact Coast FIRE numbers.
Current Savings
Total investable assets in your chosen currency. Include retirement accounts, investment portfolios, and savings that will grow toward retirement. Exclude emergency funds and home equity unless you plan to use them for retirement income.
Annual Expenses
Expected yearly spending in retirement in your local currency. Consider your region's cost of living, healthcare costs, housing, food, transportation, and leisure. Be realistic—costs vary significantly between countries. This determines your required retirement fund size.
Retirement Age
Target age for retirement (must exceed current age, max 100). Standard retirement ages vary globally: 65-67 in most Western countries, 60 in some Asian countries. Earlier retirement means less compound growth time and a higher Coast FIRE number.
Annual Return Rate
Expected yearly investment return before inflation. Varies by region: USA 7%, India 10%, Europe 6%, etc. Based on historical stock market averages. Emerging markets offer higher returns but with higher risk. Adjust based on your actual portfolio allocation.
Inflation Rate
Expected annual inflation in your region. Crucial for real return calculations. Developed countries typically 2-3%, emerging markets 4-6% or higher. High inflation erodes purchasing power and reduces real investment returns. Historical averages provided but can be adjusted.
Safe Withdrawal Rate
Percentage of retirement fund you can withdraw annually. Standard 4% rule applies globally but some regions may warrant 3.5% (for safety) or 4.5% (with pension support). Determines how much you need saved: Annual Expenses ÷ Withdrawal Rate.
Real Return Rate
Actual growth rate after subtracting inflation (Annual Return - Inflation). This is the true rate your money grows in purchasing power terms. Example: 10% return - 6% inflation = 4% real return. Critical for accurate long-term projections.
The International Coast FIRE Formula
Understanding the mathematics behind multi-currency Coast FIRE calculations.
Main Formula
Calculate the amount needed today to reach your retirement goal. Real Return is the inflation-adjusted growth rate (Annual Return - Inflation Rate). Years is the time until retirement (Retirement Age - Current Age). This formula works in any currency.
Coast FIRE Number = (Annual Expenses ÷ Withdrawal Rate) ÷ (1 + Real Return)^Years
Example: For ₹10,00,000 expenses, 4% withdrawal, 4% real return, 32 years: ₹2,50,00,000 ÷ (1.04)^32 = ₹72,24,000
Real Return Rate
The actual growth rate of your money after accounting for inflation. Critical for international calculations since inflation varies widely. India: 10% - 6% = 4% real. USA: 7% - 3% = 4% real. Europe: 6% - 2% = 4% real. Same real return despite different nominal rates.
Real Return = Annual Return - Inflation Rate
Example: India: 10% return - 6% inflation = 4% real return. USA: 7% return - 3% inflation = 4% real return.
Target Retirement Fund
Total amount needed at retirement to support your annual expenses. Based on the safe withdrawal rate principle. Example: ₹10,00,000 annual expenses ÷ 4% = ₹2,50,00,000 needed. Works the same in any currency with appropriate numbers.
Target Fund = Annual Expenses ÷ (Withdrawal Rate ÷ 100)
Example: For ₹10,00,000 annual expenses with 4% withdrawal rate: ₹10,00,000 ÷ 0.04 = ₹2,50,00,000 target fund
Future Value Check
Verify your Coast FIRE number by calculating what your current savings will grow to. If this equals your Target Retirement Fund, you've reached Coast FIRE. Example: ₹72,24,000 × (1.04)^32 = ₹2,50,00,000. Confirms the Coast FIRE calculation.
Future Value = Current Savings × (1 + Real Return)^Years
Example: For ₹72,24,000 savings, 4% real return, 32 years: ₹72,24,000 × (1.04)^32 = ₹2,50,00,000 future value
Frequently Asked Questions - International Edition
Different stock markets have different historical performance. Emerging markets like India and China offer higher returns (8-10%) due to faster economic growth but come with higher volatility and inflation. Developed markets like USA, UK, and Europe offer moderate returns (6-7%) with more stability. Canada and Australia fall in between. These differences reflect economic development stages, market maturity, and risk levels.
Your Coast FIRE number should be calculated in the currency you spend. If you live in India and spend rupees, calculate in INR. If you live in Canada and spend CAD, calculate in CAD. The absolute number will differ (₹72 lakhs vs C$462k) but represents the same purchasing power in each country. Don't convert between currencies unless you plan to move countries.
Start with your country's preset parameters as they're based on historical averages. Then adjust based on your actual investment allocation. If you're in India but invest heavily in US stocks, use parameters between India and USA. If you're conservative, reduce return expectations. If you have a pension, you might use a higher withdrawal rate. Customize to match your reality.
Use the parameters of the country where you'll retire and spend money. If you're working in the USA but plan to retire in Portugal, use European parameters and calculate in EUR. Consider currency exchange rate risk and cost of living differences. Some people calculate in multiple currencies to understand different scenarios.
High inflation countries require careful attention to real returns. India's 10% returns minus 6% inflation equals 4% real growth—similar to developed markets. Argentina or Turkey with 15%+ inflation may have negative real returns, making Coast FIRE challenging. Focus on real return rate (return minus inflation). Consider inflation-protected investments or international diversification.
Not directly by absolute numbers. ₹72 lakhs and $315k represent similar Coast FIRE achievements in their respective countries despite different numbers. Compare progress percentages instead: both might be 50% to Coast FIRE. Or compare years to retirement. Purchasing power differs across countries, so absolute currency comparisons are meaningless.
No, this calculator doesn't include taxes (which vary greatly by country and individual situation) or currency exchange rates (which fluctuate constantly). It assumes you invest and spend in the same currency. For tax planning and currency hedging, consult a financial advisor familiar with your country's tax laws and international investing.
Choose the region most similar to your country's economic development and market characteristics. If you're in Singapore or Hong Kong, use USA or Australia parameters. If you're in Brazil or Mexico, use parameters between USA and India. You can always manually adjust the return rate, inflation rate, and withdrawal rate to match your country's conditions.