Coast FIRE Calculator
Find your Coast FIRE number: how much you need invested today to reach your FIRE number at retirement with no more contributions, and when you get there.
What it does
Coast FIRE is the point where you have invested enough that, without adding anything more, compound growth alone will reach your FIRE number by retirement. After that you only need to earn enough to pay your current expenses. The Coast FIRE number is your FIRE number divided by (1 + real return) raised to the years until retirement.
How to use it
- Type your age, the retirement age and how much you expect to spend per year in retirement.
- Type the withdrawal rate, the real return, what you have invested and, optionally, your yearly savings.
- See your Coast FIRE number, how much is missing and at what age you reach it.
The arithmetic runs in your browser. Nothing you type is sent anywhere and nothing is stored, so you can use these with real numbers.
Frequently asked questions
How do I calculate Coast FIRE?
Divide your FIRE number by (1 + return) to the power of the years left. At 30, retiring at 65 with 1,000,000 as the goal and a 7% real return: 1,000,000 ÷ 1.07^35 = 93,662.94.
When will I reach Coast FIRE?
In the same example, with 50,000 invested and 12,000 saved per year, you reach Coast FIRE after 51 months, at 34.25. Without new money, 50,000 would grow to 533,829.07 by 65.
What is the difference between Coast FIRE and FIRE?
With FIRE you stop working because your investments already pay your expenses. With Coast FIRE you still work to pay today's expenses, but you no longer need to save for retirement.
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