Coast FIRE Calculator

Find out how much you need saved today so compound growth alone carries you to retirement — no more contributions needed.

Coast FIRE Calculator

Find out how much you need saved today so your portfolio grows to your FIRE number without another dollar of contribution.

Current age

Target retirement age

Current savings

Annual expenses in retirement

Expected return %

Safe withdrawal rate %

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FIRE number

$1,500,000

At 4% SWR

🌊

Coast FIRE number

$197,051

Needed now to coast 30yr

📊

Current progress

50.7%

$97,051 gap remaining

⏱️

Years to coast

10.0 yrs

With no new contributions

Coast FIRE progress50.7%

$0Coast FIRE: $197,051FIRE: $1,500,000

What is Coast FIRE?

Coast FIRE means you have enough saved that — even if you never invest another dollar — your portfolio will grow to your full FIRE number by retirement through compound growth alone. You still work to cover living expenses, but the retirement fund takes care of itself.