COAST FIRE CALCULATOR
Coast FIRE calculator: when you can stop saving
Coast FIRE means you’ve saved enough that growth alone reaches your FIRE number by the time you retire. You still work to pay today’s bills, but you no longer need to save.
Keep saving $25,000 a year and you can stop at about 40; growth does the rest by 60, when you need $1,250,000.
Plan it month by month Free, no account. The planner adds taxes, account access, Social Security, market swings and history.How the coast number works
Start from your FIRE number and discount it back to today at your return after inflation. Needing $1,250,000 at 60, 28 years away at 5%, you need about $318,867 saved today.
Coast number = FIRE number ÷ (1 + return)^(years until you retire)
If you’re not there yet, the calculator finds the age when your savings, growing and topped up each year, first meet the coast number for the years left. From then on, growth alone can carry you.
Questions
What is Coast FIRE?
It is the point where your invested savings, left to grow without further contributions, reach your FIRE number by your chosen retirement age.
Is Coast FIRE the same as retiring?
No. You still need income to cover your spending until you retire fully, but you can stop saving for retirement, so lower-paid or part-time work can be enough.
What if returns are lower than I assume?
Then the coast number is higher and the coast age later. Try a lower return here, or test market swings and history in the planner.
How is it different from Barista FIRE?
With Barista FIRE, part-time work pays part of your spending and your savings pay the rest. With Coast FIRE, work pays all of today’s spending and your savings are left to grow.