Coast FIRE Calculator India (₹) — Canada (CAD) & More
Your currency. Your defaults. Your number.
| Feature | UK | Canada | India |
|---|---|---|---|
| Tax-Free Account | ISA (£20K/yr) | TFSA ($7K/yr) | PPF (₹1.5L/yr) |
| Retirement Account | Pension (£60K/yr) | RRSP ($33,540/yr) | NPS + ELSS |
| State Pension | ~£12K/yr at 67 | ~$27K/yr at 65 | None (private only) |
| Typical Inflation | 2-3% | 2-2.5% | 5-6% |
| Expected Returns | 6-7% | 6-8% | 10-12% |
| Real Return | ~4% | ~5% | ~6% |
* Data as of 2025. Tax rules and limits change annually. Consult a local financial advisor for personalized advice.
Related Calculators
Need a different calculation? Try these:
Quick Calculator
Simple Coast FIRE calculator with just 3 inputs
UK Coast FIRE Calculator
Coast FIRE in pounds with ISA, SIPP and State Pension
Coast FIRE by Age
See benchmark numbers for every age from 25 to 55
For Couples
Calculate with dual incomes and joint expenses
With Pension
Subtract pension income from your target — gap years included
How to Calculate
Step-by-step formula with research sources
What is Coast FIRE?
Learn the concept and compare FIRE types
How to Use
Pick your region
Click UK, Canada, or India. The calculator loads local currency and sensible defaults.
Adjust your numbers
Change annual expenses, current savings, and expected return if needed. Defaults work for most people.
See your Coast FIRE number
Your target shows in local currency. That's how much you need before you can stop saving.
Frequently Asked Questions
Pick your region at the top. The calculator switches to local currency automatically. Defaults adjust too—UK uses £30,000 annual expenses, Canada uses $45,000 CAD, India uses ₹600,000. Enter your own numbers if these don't fit.
Yes, but carefully. UK State Pension (£12,000/year) reduces your needed nest egg by about £300,000. Canada's CPP/OAS (~$1,430/month) has similar impact. India has no meaningful state pension—your savings must cover everything.
UK: 5-7% nominal, 2-4% real. Canada: 6-8% nominal, 3.5-5.5% real. India: 8-12% nominal, but only 4-6% real due to higher inflation. Always think in real returns—what you earn after inflation.
Yes. Choose Canada to calculate in CAD with Canadian defaults: $45,000 annual expenses, age 65 retirement, 2.5% inflation, TFSA/RRSP context, and CPP/OAS retirement-income assumptions.
Higher inflation means you need more saved. India's 6% inflation vs UK's 3% means Indian investors need roughly double the nominal return for the same real growth. Our calculator bakes regional inflation into the math.
Yes. Pick the region closest to your economy. USD/Euro countries: use main calculator or UK settings. High-inflation countries: India settings work better. We're adding Australia, Germany, and Netherlands soon.
Got more questions? Check our Coast FIRE guide.
"It's not that I don't want to work hard—I just want to work hard for myself."
May you reach the shore soon 🌅