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    Coast FIRE Calculator

    Find your Coast FIRE number — the amount you need invested today so it grows into full financial independence by retirement with no further contributions. See the age you're on track to coast. No signup required.

    370K

    Increase contributions to reach Coast FIRE before retirement

    Coast FIRE projection

    When your portfolio overtakes the coast target, you can stop contributing

    Your portfolio
    Coast target
    FIRE number
    Your portfolio
    Coast target
    FIRE number

    Coast number (today)

    370K

    Current savings

    50K

    Projected at retirement

    162.2K

    FIRE number

    1.2M

    370K

    Increase contributions to reach Coast FIRE before retirement

    Coast FIRE projection

    When your portfolio overtakes the coast target, you can stop contributing

    Your portfolio
    Coast target
    FIRE number
    Your portfolio
    Coast target
    FIRE number

    Coast number (today)

    370K

    Current savings

    50K

    Projected at retirement

    162.2K

    FIRE number

    1.2M

    What it is

    Coast FIRE is the milestone where the money you've already invested will grow into your full FIRE number by retirement on its own — no further contributions needed. After that you only have to earn enough to cover today's living costs.

    This calculator finds your coast number today and the age you're on track to reach it.

    How the math works

    FIRE number
    Annual expenses ÷ Safe Withdrawal Rate (25× expenses at a 4% SWR).
    Coast number
    FIRE number discounted back to today at your real return: FIRE ÷ (1 + real return)^years to retirement.
    Real return
    Annual return − inflation, compounded monthly, so everything is in today's money.
    Coast age
    The age your portfolio (with current contributions) first meets the coast target for that age.

    Assumptions & caveats

    • Returns are assumed steady; real markets vary year to year.
    • Expenses and the FIRE number are expressed in today's purchasing power (real returns).
    • Contributions stop mattering for the target once you reach Coast FIRE, but you still need income for living costs.
    • Taxes and one-off costs are not modelled.

    Frequently asked questions

    Regular FIRE means your portfolio fully covers your expenses now. Coast FIRE means it will cover them by your target retirement age without further saving — you've 'front-loaded' your retirement.

    You can stop investing for retirement and use that money to work less, switch to a lower-paying but fulfilling job, or simply spend more — your retirement is already on autopilot.

    More years until retirement means more compounding, so a smaller amount today grows into the same FIRE number.

    It's optional. Continuing to invest brings full FIRE (retire now) closer, but reaching Coast FIRE already removes the pressure to save for retirement.

    Track your FIRE progress automatically

    Connect your accounts and selfinance keeps your FIRE and coast numbers up to date from your real portfolio.

    Get started

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