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Coast FIRE Calculator
Find the amount you need saved today so compound growth alone carries you to retirement.
📝 Your Details
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4%
7%
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📊 Coast FIRE Result
YOUR COAST FIRE NUMBER
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If you have this today, no more contributions needed
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Full FIRE Number
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Years to Grow
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Still Need
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Progress to Coast
💡 Key InsightEnter your details to find your Coast FIRE number.
How Coast FIRE is Calculated
Full FIRE Number = Annual Spending ÷ SWR
Years to Grow = Retirement Age − Current Age
Coast FIRE Number = FIRE Number ÷ (1 + Return)^Years
This is the Present Value of your FIRE Number.
Years to Grow = Retirement Age − Current Age
Coast FIRE Number = FIRE Number ÷ (1 + Return)^Years
This is the Present Value of your FIRE Number.
Frequently Asked Questions
What does coasting mean in practice? ▼
Once you hit your Coast FIRE number, you've won the savings game — compound growth will handle retirement. At that point you only need to earn enough to cover today's living expenses, not save for retirement. Many use this milestone to switch to lower-stress work.
How is Coast FIRE different from regular FIRE? ▼
Regular FIRE means you have enough to stop working entirely now. Coast FIRE is an earlier milestone — you have enough saved that growth alone gets you to your FIRE number by retirement, but you still work to pay current expenses.
⚠️ Projections assume constant returns. Actual markets vary. Not financial advice.