Coast FIRE Calculator
Find the amount you need invested today so it grows into your FIRE number by retirement with no more contributions, and see the age you reach Coast FIRE at your current savings rate.
Your Coast FIRE number at 35
$139,103
Invest this much and it grows into your $1,000,000 FIRE number by 65, even if you never add another dollar.
You have $75,000, which is 54% of the way there.
You're $64,103 short of coasting today.
At your current savings rate you reach it at about age 41.7, in 6.7 years.
You have already hit Coast FIRE, with $0 to spare.
You can stop contributing and still retire on plan, as long as the returns hold up.
- Real return after inflation 6.8%
- If you stop adding today, you retire with $539,169
- That pays about $21,567 a year
- If you keep contributing, you retire with $1,665,591
| Age | Coast number | Projected savings | Coasting? |
|---|---|---|---|
| 35 | $139,103 | $75,000 | Not yet |
| 40 | $193,247 | $175,037 | Not yet |
| 45 | $268,467 | $314,013 | Yes |
| 50 | $372,965 | $507,083 | Yes |
| 55 | $518,138 | $775,304 | Yes |
| 60 | $719,818 | $1,147,928 | Yes |
| 65 | $1,000,000 | $1,665,591 | Yes |
All figures are in today's money, so you can compare them with today's prices. Returns are an assumption, not a promise, and markets don't deliver the same number every year. Not financial advice.
About this tool
Coast FIRE is the point where you can stop saving for retirement and still retire on plan, because what you already have invested has enough years left to compound into your FIRE number. This Coast FIRE calculator works out that number for your age. Put in what you want to spend each year in retirement, your withdrawal rate, what you have invested and what you add each month, and it shows your coast number today, how far along you are as a percentage, and the age you reach Coast FIRE if you keep saving at the same rate. It also splits the two futures apart: what you retire with if you stop contributing right now, and what you retire with if you carry on. Every figure is in today's money, so the numbers mean something next to today's prices. The default example shows how quickly the maths moves in your favor: a 35-year-old with $75,000 invested, adding $1,000 a month, aiming for $40,000 a year in retirement, needs $139,103 to coast and gets there at about age 41.7. Use it as a FIRE calculator, a coast number calculator, or a barista FIRE planner when you want to drop to part-time work and let the portfolio carry the rest. The table shows the coast number rising each year next to your projected savings, which is the clearest way to see when the two lines cross.
How to use
Enter your age and the age you want to retire. Put in the yearly spending you want in retirement in today's money, and your withdrawal rate: 4% is the usual rule of thumb, and a lower rate means a bigger target. Add what you have invested now and how much you add each month. Set your expected annual return before inflation, and your inflation assumption, since the calculator converts them into a real return. Read your coast number at the top, then check the status box: it tells you how much more you need, or how much you have to spare if you are already coasting. The table below shows the coast number and your projected savings every five years, so you can see the age they meet.