Your Coast FIRE Results
📊 Progress to Coast FIRE
📅 Coast FIRE at Different Retirement Ages
Same investments, same expenses, same return — only the retirement age changes. Notice how a few extra years dramatically lowers the bar.
| Retire At | Years Left | Coast Number | Status |
|---|
⚡ What If I Keep Contributing?
Coast FIRE means you can stop investing. But what happens if you don't?
💡 Your Inputs at a Glance
📊 How We Calculate Your Coast FIRE Number
Coast FIRE is the point where your existing investments, left completely alone, will grow to your full FIRE number by your target retirement age through compound growth — without another dollar contributed.
Once you reach Coast FIRE, your only financial obligation is covering your current living expenses. You no longer need to save aggressively, which opens up options: work part-time, switch to a lower-paying job you enjoy, take a career break, or simply reduce your working hours.
First, we calculate the portfolio you need at retirement using the 4% rule — 25 times your annual expenses.
FIRE Number = Monthly Expenses × 12 × 25
Example: $4,000/month → $48,000/year → $48,000 × 25 = $1,200,000
The Coast FIRE Number is the present value of your FIRE number — the amount that, if invested today, will grow to the FIRE number by your retirement age. We discount the FIRE number back to today using your expected real return and years remaining.
Coast FIRE Number = FIRE Number ÷ (1 + Real Return)Years to Retirement
Example: $1,200,000 ÷ (1.07)30 = $1,200,000 ÷ 7.612 = $157,614
If your current investments equal or exceed this number, you've reached Coast FIRE.
The sensitivity table above shows that even small changes to your target retirement age have an outsized impact on your Coast FIRE Number. That's the nature of compound growth: the longer money compounds, the less you need today. Moving your target from 55 to 60 can cut tens of thousands off the required amount, because those five extra years let compounding do significantly more work.
The default 7% return is a real return — it already accounts for inflation. Historically, a diversified stock portfolio has returned roughly 10% per year, minus about 3% inflation, giving ~7% real growth. Because the return is inflation-adjusted, all numbers in this calculator stay in today's dollars — the numbers you can actually relate to your current life.
If you want to be more conservative, simply lower the return rate (e.g., 5% or 6%) to stress-test your plan. This is more intuitive than adding a separate inflation variable.
Coast FIRE is not full financial independence. You still need income to cover your day-to-day expenses until retirement — you've just removed the obligation to invest. It's also based on long-term averages. Markets don't return a steady 7% every year; actual growth is lumpy and unpredictable. A prolonged downturn early in your coasting period could delay the math. Treat this as a directional planning tool, not a guarantee.
Note: This calculator provides estimates based on historical averages and the 4% rule as a starting guideline. Real-world results vary based on market performance, actual inflation rates, tax situations, and life changes. Consider consulting with a financial advisor for personalized planning.