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.

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Current Age ?

Retirement Age ?

Annual Expenses ? Safe Withdrawal Rate (%) ?

Inflation Rate (%) ?

Expected Return (%) ?

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

Real Growth Rate: 4.4%

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

$0

Full FIRE

$0

Coast FIRE

$0

Advanced Metrics

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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

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

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

—

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

Adjust Inputs

30 Age

-- Coast Age

$100K Portfolio

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.