Coast FIRE Calculator
Find out if your investments can already coast to a full retirement — no more contributions required.
✏️ These numbers were filled in from a shared link — change anything to make it your own.
How Coast FIRE works
First find your full FIRE number (retirement expenses ÷ withdrawal rate). Then discount it back to today over the years until retirement at your expected return:
Coast FIRE number = FIRE number ÷ (1 + return)^years
If your current investments already exceed that, congratulations — you've hit Coast FIRE, and compounding alone gets you the rest of the way. If not, the gap is how much more you'd need invested today to coast.
Uses a fixed return assumption; real markets vary. Not financial advice.
Frequently asked questions
What is Coast FIRE?
Coast FIRE is the point where your existing investments, left to compound, will grow to your full retirement number by your target age — without adding another dollar. After that, you only need to earn enough to cover current expenses; retirement is already funded.
How is the Coast FIRE number calculated?
Take your full FIRE number (retirement expenses ÷ withdrawal rate), then discount it back to today at your expected return over the years until retirement. If your current investments exceed that amount, you have hit Coast FIRE.
Why does Coast FIRE matter?
It gives you options. Once you coast, you can drop to part-time, take a lower-paying but fulfilling job, or stop saving aggressively — because your future retirement is already on autopilot.