Coast FIRE Calculator
Find out how much you need saved today so you can stop contributing and let compound growth carry you to retirement.
Full FIRE Number
$1,250,000
Coast FIRE Number
$117,079
Amount needed today to coast to retirement
Retirement Age
32
When you reach Coast FIRE
Still needed: $17,079
Coast FIRE Growth Projection
Frequently Asked Questions
How Coast FIRE Works
Coast FIRE means you've saved enough today that your investments will grow to your full FIRE number by your target retirement age — without adding another dollar. You just need to earn enough to cover your living expenses until then.
The formula: Coast FIRE Number = FIRE Number / (1 + r)^n, where r is your expected annual return and n is the number of years until retirement. Because of compound growth, your Coast FIRE number is often much smaller than your full FIRE number.
For example, if your FIRE number is $1,250,000 and you're 30 years old planning to retire at 65 with a 7% expected return, your Coast FIRE number is approximately $117,000. Once you've saved that amount, you can "coast" — your money will do the heavy lifting.