Coast FIRE Calculator
At what point can you stop saving and let compound growth carry you to retirement? Find your Coast FIRE number, discover when you will hit it, or plan your coast lifestyle. Works with any currency.
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How to Use This Calculator
Tab "Coast Number"
Enter your target retirement amount (e.g. 25x annual expenses), retirement age, current age, and expected annual return. The result shows your Coast FIRE number — the savings threshold where compound growth alone carries you to your goal.
Tab "When Can I Coast"
Enter your current savings, monthly contribution, expected return, retirement age, and target amount. The calculator simulates month by month to find the exact age and date when your portfolio crosses the coast number.
Tab "Coast Lifestyle"
Enter your current income, the minimum income you need while coasting, and your savings details. The result shows whether you can already coast, how much income you can give up, and what your savings will grow to by retirement with zero new contributions.
The Formula
Coast FIRE Number = Target Retirement Amount / (1 + r)years_to_retirement
Where:
r = expected annual return (as a decimal, e.g. 0.07 for 7%)
years_to_retirement = retirement age − current age
Interpretation:
This is the present value of your retirement target. Once your savings reach this number, compound growth alone will do the rest.
All calculations use standard compound interest math. No country-specific tax rates or inflation adjustments are applied. For real (inflation-adjusted) planning, use a real return rate (e.g. 4–5% instead of 7%).
Worked Examples
Example 1 — Age 30, target $1.5M at 65, 7% return
A 30-year-old wants $1.5 million by age 65 and expects a 7% average annual return on investments.
Once this person saves $140K, they can stop contributing entirely. At 7% annual growth, $140K grows to $1.5M over 35 years.
Example 2 — Age 28, $45K saved, $2,000/mo, 8% return
A 28-year-old has $45,000 in savings, contributes $2,000 per month, and earns 8% annually. Target: $1.5M at 65.
After about 5 years of saving, this person hits their coast number. They can then stop saving for retirement and let compound growth do the work for 32 more years.
Example 3 — Earns $95K, coasting on $55K/yr
A 33-year-old earns $95,000/yr and has $197,000 saved. Their coast number is about $197K (target $1.5M at 65, 7% return). They can switch to a $55K/yr role.
This person can switch to a part-time role, a passion project, or a lower-stress $55K/yr job. Their $197K grows to $1.5M+ by 65 without any new contributions. The $40K/yr income drop is the price of freedom.
Understanding Coast FIRE
What Is Coast FIRE?
Coast FIRE (Financial Independence, Retire Early) is the point where you have saved enough that compound growth alone will grow your portfolio to your retirement target — without any further contributions. After reaching Coast FIRE, you only need to earn enough to cover current living expenses. You are "coasting" to retirement.
Coast FIRE vs. Traditional FIRE
Traditional FIRE means accumulating 25x your annual expenses so you can stop working entirely. Coast FIRE is a milestone on that journey: you have enough invested that time and compounding will do the rest. You still work, but you no longer need to save aggressively. This makes it achievable years or even decades before full FIRE.
The Power of Compound Growth
Coast FIRE works because of exponential growth. At 7% annual returns, money doubles roughly every 10 years. A 30-year-old with $140K can reach $1.5M by 65 without adding another dollar. The earlier you start, the smaller your coast number — because you have more years for compounding to work.
Limitations
Coast FIRE calculations assume: (1) steady average returns, when in reality markets are volatile, (2) no major withdrawals before retirement, (3) your target amount and retirement age remain fixed. Sequence-of-returns risk, inflation, and lifestyle changes can all affect the outcome. Use this as a planning tool, not a guarantee.