Coast FIRE کا حساب کیسے لگائیں

Coast FIRE کیا ہے؟

Coast FIRE is a financial independence strategy where you save aggressively early, then let compound interest grow your portfolio to your FIRE number by retirement — without contributing another dollar.

فارمولا

FV = PV × (1 + r)^n; years_to_FIRE = log(target_amount / current_savings) / log(1 + annual_return)

PV: Current savings ($) — Amount already saved
r: Annual return (%) — Investment return (e.g., 7% stock market)
n: Years (years) — Time until retirement
FV: Future value ($) — Amount at retirement (compound growth)

مرحلہ وار گائیڈ

1FIRE Number = Annual Expenses × 25 (4% withdrawal rule)
2Coast Number = FIRE Number ÷ (1 + real return)^years to retirement
3Typical real return assumption: 7% nominal (5% real)
4Once you hit the Coast Number, you only need to cover living expenses

حل شدہ مثالیں

ان پٹ

$40K expenses, age 30, retire 65

نتیجہ

FIRE number $1M. Coast number ~$95K today at 7% growth

ان پٹ

$60K expenses, age 35, retire 60

نتیجہ

FIRE number $1.5M. Coast number ~$430K

اکثر پوچھے جانے والے سوالات

What is Coast FIRE?

Stop contributing but let invested savings grow to retirement target. Works if you have enough time and can live on earned income without saving.

What return rate should I assume?

Historical stock market: ~7–10% annual. Conservative: 5%. Bonds: 3–5%. Inflation typically 2–3%. Subtract inflation for real returns.

Is Coast FIRE realistic?

Requires discipline to stop saving and spend all earned income. Best for people early in career with decades until retirement.

حساب کے لیے تیار ہیں؟ مفت Coast FIRE کیلکولیٹر آزمائیں۔

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