Coast FIRE Calculator

Find out when you can stop actively saving and let compound interest grow your nest egg to your retirement goal. Perfect for those seeking a lower-stress path to financial independence.

Enter your current age between 18 and 70
When you want to fully retire
Total in retirement accounts and investments
Annual spending in retirement (today's dollars)
Average annual return before retirement
How much you'll withdraw yearly in retirement
$250,000
Your Coast FIRE Number
Coast FIRE Achieved!
35
Coast FIRE Age
5
Years Until Coast
$1,250,000
Full FIRE Number
$1,500,000
Projected at Retirement
What is Coast FIRE?

Coast FIRE means you've saved enough that compound interest will grow your portfolio to your full retirement number by your target age without any additional contributions. You can "coast" by just covering your current expenses without needing to save more.

How Coast FIRE Works

Coast FIRE is based on the power of compound interest. If you've invested enough early in life, your money can grow to your retirement target on its own. The Coast FIRE number is what you need today for it to grow to your FIRE number by retirement.

Coast FIRE Number = FIRE Number ÷ (1 + return)^years

Where FIRE Number = Annual Retirement Spending ÷ Withdrawal Rate, and years = years until your target retirement age.

FIRE Number = $50,000 ÷ 0.04 = $1,250,000

If you need $1,250,000 at age 65 and expect 7% returns, at age 30 you'd need approximately $250,000 to coast.

Disclaimer: This calculator is provided for educational and informational purposes only. Results are estimates based on the inputs you provide and may contain errors or inaccuracies. This tool does not constitute professional financial, investment, or tax advice. Individual circumstances vary, and you should consult with a qualified financial advisor, accountant, or other professional before making any financial decisions. We make no guarantees regarding the accuracy, completeness, or reliability of the calculations or results provided.

Track Your Coast FIRE Progress

Monitor your investments, visualize compound growth, and know exactly when you hit Coast FIRE.

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