Coast FIRE Calculator
Coast FIRECoast FIRE answers: how much do I need saved today so that, with no further contributions, my portfolio grows to my retirement number by retirement age? Enter your ages, expenses, and return; see your coast number and whether you’re already coasting or how many years of contributions to get there.
e.g. 4% rule
When set, we use inflation-adjusted (real) returns so the projection stays in today's dollars.
Current savings + contributions and growth chart
Balance needed today to grow to $1,250,000 by age 65
Chart shows accumulation phase only (up to reaching your coast number).
| Year | Start Balance | Contribution | Growth | End Balance |
|---|---|---|---|---|
| Start | $150,000 | $0 | $0 | $150,000 |
| 1 | $150,000 | $24,000 | $11,261 | $185,261 |
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About this calculator
Coast FIRE means you have saved enough that, with no further contributions, your portfolio will grow to your FIRE number by retirement age. The coast number is the balance you need today for that to happen. Once you reach it, you can “coast”: work for income or lifestyle without needing to save for retirement. This calculator shows that number and whether you’re already there or how many years of contributions remain.
Compare with FIRE Number, Barista FIRE, or Lean FIRE.
How this is calculated
FIRE number at retirement = Annual expenses ÷ Withdrawal rate. Coast number = FIRE number at retirement ÷ (1 + expected return)^(retirement age − current age). So the coast number is the present value of your future FIRE number, growing at your expected return with no contributions. Years to coast number use the same compound growth solver as the FIRE Number calculator: we project current savings plus monthly contributions until the balance reaches the coast number. Results are for illustration only.
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