Free Coast FIRE Calculator — Calculate Your Coast FIRE Number

Coast FIRE Calculator

This free Coast FIRE Calculator shows you the exact portfolio size you need today so that compound growth alone carries you to financial independence — no more saving required. Coast FIRE is the milestone where your investments grow to your full FIRE number by retirement without additional contributions. Enter your numbers to find your Coast FIRE number, coast date, and timeline.

Current Age ?

Retirement Age ?

Annual Expenses ? Safe Withdrawal Rate (%) ?

Inflation Rate (%) ?

Expected Return (%) ?

Fees & Tax Drag (% p.a.) ?

Real Growth Rate: 4.4%

›Inputs

Drag or click to hide inputs

Coast FIRE Number ?

—

Coast FIRE Age ?

—

Years to Coast ?

—

Full FIRE Age ?

—

FIRE Number ?

—

Real Growth Rate ?

—

After inflation & fees

Portfolio at Retirement ?

—

Progress Towards Your Goal

Current

Full FIRE

Coast FIRE

Advanced Metrics

Have an idea? Request a feature →

Sequence Risk Pre-Coast ? Sensitivity to early market returns before reaching Coast FIRE

—

Total Savings to Coast ? Sum of all contributions needed until reaching Coast FIRE

—

Coast Buffer ? How close your current portfolio is to the Coast FIRE target

—

Return Sensitivity ? How Coast Age changes with ±1% return variation

—

SWR Stress Test ? FIRE income range with SWR ±0.5% bands

—

Rotate to landscape for a better chart view

Age / Year	Portfolio	Coast Target	Gap	Status
Run calculation to see milestones

About This Coast FIRE Calculator

This free Coast FIRE calculator uses compound growth to find the portfolio size you need today so your investments grow to your FIRE number by your target retirement age — without any further contributions. Based on the FIRE movement and the concept of coasting to financial independence.

What is Coast FIRE?

Coast FIRE means you have already saved enough that compound growth alone — with no further contributions — will carry your portfolio to your full FIRE number by traditional retirement age. You still need to cover current living expenses with a job, but you can stop saving for retirement entirely and 'coast' the rest of the way.

How do I calculate my Coast FIRE number?

Coast FIRE number = FIRE number ÷ (1 + r)^t, where r is your expected annual real return and t is the years until retirement. Example: a $1.5 million FIRE target, 7% real returns, and 25 years to go gives a Coast FIRE number of about $276,000. Reach that today and compounding does the rest.

What is a typical Coast FIRE number by age?

For a $1 million target at age 65 with 7% real returns: roughly $67,000 at age 25, $131,000 at 35, $258,000 at 45, and $508,000 at 55. The younger you are, the smaller the amount needed — time is doing most of the work. This calculator computes your exact number from your own age, expenses, and assumptions.

What is the difference between Coast FIRE and Barista FIRE?

Coast FIRE means you stop saving but keep working full-time to cover expenses until your portfolio matures. Barista FIRE means you also start withdrawing: a part-time job covers part of your expenses while the portfolio covers the rest, beginning now. Coast FIRE preserves the portfolio untouched; Barista FIRE draws on it early.

What return rate should I use for Coast FIRE planning?

Most planners use a real (after-inflation) return of 5-7% for a stock-heavy portfolio, based on long-run historical averages. Using real returns means your Coast FIRE number is in today's dollars and your target FIRE number keeps its purchasing power. More conservative assumptions raise the number you need today.

Am I already at Coast FIRE?

Enter your current portfolio, age, and planned retirement age into this calculator. If your existing balance is at or above your Coast FIRE number, you have hit the milestone — further retirement saving is optional, and every dollar you do add simply brings full financial independence closer.

Where to Go From Here

Hit your Coast FIRE number — or want to skip the coasting and go all the way? Find your full financial independence date with the FIRE Calculator, model a part-time hybrid with the Barista FIRE Calculator, or explore the semi-retired middle path with the Flamingo FIRE Calculator. To see exactly how your money compounds while you coast, run the numbers in the Compound Interest Estimator — or read our full Coast FIRE guide.

This tool is for educational purposes only and does not constitute financial advice. Results are estimates based on the assumptions you enter — past performance does not guarantee future results.