🌊 Coast FIRE Tool

Coast FIRE Calculator

Find out whether your current investments can grow to your retirement goal without adding more money, and estimate how much more you need to coast.

Your numbers

Mobile-first
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Used to estimate your Coast FIRE age.

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Calculator uses real return: return minus inflation.

Affiliate / App Placement

Track your Coast FIRE progress.

Use this slot for a budgeting app, portfolio tracker, brokerage offer, or FIRE dashboard promotion.

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How this Coast FIRE calculator works

Coast FIRE means you have invested enough today that, even if you stop contributing, your portfolio may grow to your full retirement number by your target retirement age.

Coast FIRE Number = Future FIRE Number ÷ (1 + Real Return)Years

What this calculator estimates

  • Coast FIRE number: the amount you need invested today to coast to retirement.
  • Projected retirement portfolio: how much your current investments may become by retirement.
  • Shortfall or surplus: whether you are above or below your Coast FIRE number today.
  • Required monthly contribution: how much you may need to invest each month to reach Coast FIRE before your target retirement age.
  • Coast FIRE age: when you may reach Coast FIRE if you keep investing your current monthly amount.

Example

If your future retirement goal is $1,000,000 and you have 25 years before retirement, you do not need $1,000,000 today. You only need the amount that can compound into $1,000,000 by then.

Important note

This tool is for educational planning only. It does not include taxes, investment fees, market volatility, healthcare costs, sequence-of-returns risk, or changes in future spending.

Related tools

FIRE CalculatorFind your FIRE number→FIRE Number CalculatorFind the portfolio needed for FIRE→Savings Rate CalculatorCalculate your savings rate→Compound Interest CalculatorProject compound growth→

FAQ

What is Coast FIRE?

Coast FIRE is the point where your current investments can grow to your retirement target without additional contributions.

Does Coast FIRE mean I can retire now?

No. It usually means you may stop saving aggressively for retirement, but you still need income to cover current living expenses.

Should I use real or nominal return?

This calculator uses a simplified real return by subtracting inflation from your expected annual return.

How to Use This Calculator

  1. Enter your financial information in the input fields.
  2. Adjust assumptions such as return rate, inflation, or spending.
  3. Review the calculated results and projections.
  4. Compare alternative scenarios to improve planning.

Example Calculation

Example values are provided to demonstrate how the calculator works. Adjust the inputs to match your own situation and compare outcomes.

Formula

This calculator uses standard financial planning formulas and projections based on the values entered above. Results are estimates and should be used for educational purposes only.

Frequently Asked Questions

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