Coast FIRE Calculator

Calculate when you have enough invested to coast to retirement without additional contributions

Your Information

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Your Coast FIRE Analysis

📈 Keep Going!

You're not quite at Coast FIRE yet, but you're on your way!

Coast FIRE Number
$316,769
Projected at Retirement
$197,304
Shortfall
$266,769
Monthly Contribution Needed
$292/month
Years to retirement: 35
Real return rate: 4.00%

What is Coast FIRE?

Coast FIRE is a milestone in your financial independence journey where you have saved enough money that, without adding any more contributions, your investments will grow to support your retirement at a traditional retirement age.

Once you reach Coast FIRE, you have the freedom to:

  • Take career breaks or sabbaticals
  • Pursue lower-paying but more fulfilling work
  • Start your own business with less financial pressure
  • Focus on other life goals knowing retirement is secured

How Coast FIRE Works

The calculation uses compound interest to project how your current savings will grow over time. The key factors are:

  • Time: Years until retirement
  • Growth Rate: Investment returns minus inflation
  • Target Amount: Based on your spending and safe withdrawal rate

Tip: The 4% rule suggests you can withdraw 4% of your portfolio annually in retirement. Adjust the safe withdrawal rate based on your risk tolerance and retirement timeline.