Calculate how a SIP corpus grows when you stop new contributions after X years and let existing units compound for the remaining horizon.
| Year & Phase | Monthly Deposit | Cumulative Invested | Compounded Gain | Closing Corpus |
|---|---|---|---|---|
| Year 1 (Active SIP) | $25,000.00 | $300,000.00 | $20,233.00 | $320,233.00 |
| Year 2 (Active SIP) | $25,000.00 | $600,000.00 | $81,080.00 | $681,080.00 |
| Year 3 (Active SIP) | $25,000.00 | $900,000.00 | $187,691.00 | $1,087,691.00 |
| Year 4 (Active SIP) | $25,000.00 | $1,200,000.00 | $345,871.00 | $1,545,871.00 |
| Year 5 (Active SIP) | $25,000.00 | $1,500,000.00 | $562,159.00 | $2,062,159.00 |
| Year 6 (Active SIP) | $25,000.00 | $1,800,000.00 | $843,926.00 | $2,643,926.00 |
| Year 7 (Active SIP) | $25,000.00 | $2,100,000.00 | $1,199,475.00 | $3,299,475.00 |
| Year 8 (Active SIP) | $25,000.00 | $2,400,000.00 | $1,638,164.00 | $4,038,164.00 |
| Year 9 (Active SIP) | $25,000.00 | $2,700,000.00 | $2,170,538.00 | $4,870,538.00 |
| Year 10 (Active SIP) | $25,000.00 | $3,000,000.00 | $2,808,477.00 | $5,808,477.00 |
| Year 11 (Coast Phase) | $0.00 | $3,000,000.00 | $3,545,137.00 | $6,545,137.00 |
| Year 12 (Coast Phase) | $0.00 | $3,000,000.00 | $4,375,224.00 | $7,375,224.00 |
| Year 13 (Coast Phase) | $0.00 | $3,000,000.00 | $5,310,587.00 | $8,310,587.00 |
| Year 14 (Coast Phase) | $0.00 | $3,000,000.00 | $6,364,578.00 | $9,364,578.00 |
| Year 15 (Coast Phase) | $0.00 | $3,000,000.00 | $7,552,241.00 | $10,552,241.00 |
| Year 16 (Coast Phase) | $0.00 | $3,000,000.00 | $8,890,529.00 | $11,890,529.00 |
| Year 17 (Coast Phase) | $0.00 | $3,000,000.00 | $10,398,546.00 | $13,398,546.00 |
| Year 18 (Coast Phase) | $0.00 | $3,000,000.00 | $12,097,817.00 | $15,097,817.00 |
| Year 19 (Coast Phase) | $0.00 | $3,000,000.00 | $14,012,598.00 | $17,012,598.00 |
| Year 20 (Coast Phase) | $0.00 | $3,000,000.00 | $16,170,221.00 | $19,170,221.00 |
| Year 21 (Coast Phase) | $0.00 | $3,000,000.00 | $18,601,485.00 | $21,601,485.00 |
| Year 22 (Coast Phase) | $0.00 | $3,000,000.00 | $21,341,094.00 | $24,341,094.00 |
| Year 23 (Coast Phase) | $0.00 | $3,000,000.00 | $24,428,154.00 | $27,428,154.00 |
| Year 24 (Coast Phase) | $0.00 | $3,000,000.00 | $27,906,730.00 | $30,906,730.00 |
| Year 25 (Coast Phase) | $0.00 | $3,000,000.00 | $31,826,477.00 | $34,826,477.00 |
Rounding: Rounded to nearest rupee.
An investor contributes ₹25,000/month from age 25 to 35 (10 years), stops new SIPs, and holds the portfolio until age 50 (25 years total).
Coast FIRE is the milestone where your existing invested portfolio is large enough that, even if you never invest another rupee, compounding alone will grow it to your full retirement target by age 55–60.
Ideal for Coast FIRE and career-break planning: see how front-loading your SIP for the first 8–12 years allows compounding to do the heavy lifting for the next 10–20 years with ₹0 new deposits. Whether you are researching coast fire sip calculator, stop sip and hold calculator, limited pay sip calculator, sip pause and compound, this interactive tool helps you model contributing to a SIP for X years, stopping new deposits, and letting the accumulated corpus compound untouched until Year X+Y.
As you adjust Display Currency, Monthly SIP During Active Phase, Active SIP Contribution Years (X), Total Holding Horizon (X + Y Years), the calculator immediately computes Final Corpus After Coast Phase (₹), Corpus When SIP Stops at Year X (₹), Passive Growth During Coast Years (₹), Two-Phase Annual Schedule and updates all three domain-specific SVG charts in real time. Instead of relying on a single static figure, you can inspect the primary domain diagram, component breakdown, and multi-point trajectory curve to see how changing your inputs shifts the final result. Use the Compare (up to 3 scenarios) button to evaluate side-by-side variations before making a decision.
In our benchmark scenario (₹25,000/Month SIP for 10 Years, Then Held Untouched for 15 More Years (25 Years Total) at 12%), ₹30L invested over 10 years grows to ₹58.08L, then coasts with ₹0 new deposits to ₹3.48 Crore by Year 25. Keep in mind that no redemptions or switches occur during the passive coast phase. For related calculations in Finance & Investing, explore SIP Calculator (Systematic Investment Plan), CAGR & FIRE Calculator (Financial Independence), SIP-to-SWP Retirement Bridge Calculator.
