Coast FIRE Calculator
Find your Coast FIRE number — the amount that, left to grow with no more contributions, reaches your retirement target — and whether you've hit it.
For information and education only — not financial advice. Results are estimates based on the numbers you enter; check important decisions with a qualified professional.
How to use
- 1Enter your age, retirement age and retirement target (or annual spending).
- 2Enter current investments and expected real return.
How it's calculated
Coast FIRE number = retirement target ÷ (1 + real return)^(years to retirement).
Frequently asked questions
What does Coast FIRE mean?
You've saved enough that growth alone will reach your retirement goal, so you only need to earn enough to cover today's expenses.
Is it safe to stop saving?
It relies on average returns. Many people keep saving a little for a margin of safety.
What target should I use?
Your FIRE number — typically 25× your expected annual spending in today's money.