Coast FIRE Calculator
Calculate your Coast FIRE number — the amount you need saved now so you can stop contributing and still retire on time through investment growth alone.
What is Coast FIRE?
Coast FIRE is the point where you have saved enough that your investments will grow to your retirement goal on their own — without any additional contributions.
You still work and cover your living expenses, but you no longer need to save for retirement.
Coast FIRE Formula:
Coast FIRE Number = Target Retirement Amount / (1 + r)^n
Where:
- Target = how much you need at retirement (often 25x annual expenses)
- r = expected annual investment return
- n = years until retirement
Example: If you need $1,000,000 at age 65, expect 7% returns, and you are 30 years old: Coast FIRE = $1,000,000 / (1.07)^35 = $93,663
Once you have $93,663 invested, you can stop contributing and it will grow to $1M by age 65.
The 25x Rule: A common retirement target is 25 times your annual expenses. This is based on the 4% safe withdrawal rate.