Coast FIRE Calculator

The point where your investments will reach your full retirement target — with zero additional contributions from you.

Current Age

Target Retirement Age

Annual Expenses in Retirement ($)

Safe Withdrawal Rate (%)

Expected Annual Return (%)

Current Savings ($)

Your Coast FIRE Number

$310,286

$1,250,000

Full FIRE Target

$260,286

Gap

Coast Age

Years to Retire

Status

Keep going — you've got ground to cover

How it works

The math is straightforward. Your Coast FIRE number is the amount you need invested today so that it grows to your full retirement target by your planned retirement age — with no further contributions.

Coast FIRE Number = Full FIRE Target ÷ (1 + r)^{years-to-retirement}

Example: $1,250,000 ÷ 1.07³⁵ = $310,286. At that amount, compound growth alone carries you the rest of the way.

Social Security is not included

This calculator uses your full annual expenses. If you expect Social Security income, your actual portfolio target may be lower. Check your estimate at ssa.gov/my-account.

Coast FIRE Guide → FIRE Progress Tracker → Withdrawal Rate →

For educational purposes only. Assumes constant returns, no Social Security income. Not financial advice.