Coast FIRE Calculator
Find if your current savings alone will fund retirement.
Enter your values
ⓘ Live results
Results
- Projected value at retirement (no more contributions)
- $814,114.90
- Savings needed today to Coast FIRE
- $276,373.77
- Coast FIRE status
- Not yet — need $126,373.77 more
Quick answer
You've reached Coast FIRE when your current savings, growing at your assumed return with no further contributions, will reach your retirement number by your target age.
Required current savings = target FIRE number / (1+r)^years
How to use the Coast FIRE Calculator
- 1Enter your current retirement savings and target retirement number.
- 2Enter your current age and target retirement age.
- 3If your projected growth alone reaches the target, you've hit Coast FIRE and can stop actively saving for retirement.
Worked example
Using the values the calculator loads with:
Inputs
- Current retirement savings150000 $
- Target retirement number1500000 $
- Current age35 years
- Target retirement age60 years
- Assumed annual return7 %
Results
- Projected value at retirement (no more contributions)$814,114.90
- Savings needed today to Coast FIRE$276,373.77
- Coast FIRE statusNot yet — need $126,373.77 more
Frequently asked questions
What is Coast FIRE?
It's the point where your existing investments will grow to your retirement goal on their own, letting you work only to cover current expenses.
Should I stop saving entirely at Coast FIRE?
Many people keep contributing for a safety margin or to retire earlier than originally planned.
About this calculator
- Built and reviewed by James Whitfield · How we build and test calculators
- Report an error
Results are estimates for general information. For medical, legal, structural or financial decisions, confirm with a qualified professional.