Coast FIRE Calculator - Plan Your Retirement
Calculate when you can stop saving for retirement. Find your Coast FIRE number and path to financial independence.
Quick Coast FIRE calculation with basic inputs
Fill in your age, retirement age, current savings, and expected return to see your Coast FIRE results instantly.
Understanding Coast FIRE
Three concepts you need to know
What is Coast FIRE?
Coast FIRE is when you have enough invested that it will grow to your retirement goal without additional contributions.
Calculate Your Number
Enter your retirement goal, expected returns, and timeline. The calculator finds how much you need invested today.
Plan Your Path
See exactly how many years until you reach Coast FIRE and can stop contributing while continuing to build wealth.
Why Coast FIRE Matters
Coast FIRE offers a powerful motivation: the date when you stop needing to save and can take career breaks, work part-time, or pursue passion projects while your investments grow to retirement.
Understanding your Coast FIRE number helps you set realistic milestones. Instead of saving until age 65, you might coast from age 45, giving you 20 years of freedom before traditional retirement.
Coast FIRE represents financial progress - once you reach this milestone, you win the core challenge of retirement planning. Reaching Coast FIRE is a major psychological and financial achievement.
Coast FIRE Tips
Start Early to Coast Early
The earlier you start saving, the earlier you reach Coast FIRE due to the power of compound growth.
Use Realistic Return Assumptions
6-7% average annual returns are historically realistic for balanced portfolios. Be conservative in projections.
Account for Inflation
In advanced mode, use 2-3% inflation to estimate real (inflation-adjusted) spending power in retirement.
Review and Adjust Annually
Check your progress yearly. As you age or markets change, adjust your assumptions and targets.
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Coast FIRE FAQ
What is the Coast FIRE number?
- The amount of money needed today such that, invested at your expected return rate, it grows to your retirement fund goal by retirement age.
Can I retire at Coast FIRE age?
- Not necessarily. Coast FIRE means you can stop saving, but you still need to decide if the projected portfolio amount is enough to live on.
How is Coast FIRE different from regular FIRE?
- FIRE means you have enough to live on today. Coast FIRE means you have enough that it will grow to your retirement goal without more contributions.
What return rate should I assume?
- 6-7% is appropriate for balanced portfolios (60% stocks/40% bonds). Higher rates assume more risk. Conservative investors should use 5-6%.
What if markets crash?
- Market downturns delay Coast FIRE. Use conservative assumptions (5-6% instead of 8%) to account for market volatility.
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