Coast FIRE Calculator
Find the number you need today so compound growth does the rest. You might already be coasting.
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Frequently asked questions
What is Coast FIRE?
Coast FIRE is the point where your portfolio can grow to your full retirement number — with no further contributions — purely through compound interest. You still need income to live on, but you're done "building the nest egg."
How is the Coast FIRE number calculated?
Coast FIRE Number = FIRE Number ÷ (1 + annual return)years until retirement. This is the present value of your future FIRE target, discounted at your expected return rate. Once your portfolio exceeds this number, you're coasting.
What can I do once I hit Coast FIRE?
You only need to cover your current living expenses — no more retirement saving required. Many Coast FIRE people switch to lower-stress or part-time jobs (sometimes called Barista FIRE), travel, start a business, or pursue creative work without the financial pressure.
Is Coast FIRE risky over a long time horizon?
The main risk is sequence risk in the late stage — a bad market in the years before retirement can reduce the final portfolio below your FIRE target. Many Coast FIRE practitioners use a conservative return assumption (5–6%) to build in a safety margin, or keep minimal contributions going as a buffer.
This calculator is for educational purposes only and does not account for taxes, fees, inflation changes, or individual financial circumstances. This is not financial advice.