Coast FIRE Calculator
Coast FIRE is the point where your existing investments will grow into your full FIRE number by retirement — even if you never invest again.
Show solution steps
What is the Coast FIRE Calculator?
Coast FIRE means you've front-loaded enough that compounding alone gets you to financial independence; you only need to cover current expenses from here.
How to Calculate
Coast number = FIRE number ÷ (1 + return)^years to retirement. If your savings exceed it, you've reached Coast FIRE.
Formula
Coast number = FIRE number ÷ (1 + r)^years
How to Use
- Enter your details in the fields above.
- The result updates instantly as you type.
- Use Copy, Print or Download PDF to save your result.
Frequently Asked Questions
Is Coast FIRE the same as FIRE?
No u2014 Coast FIRE means you can stop investing and still retire on time; you still need income for today's expenses. Full FIRE means you can stop working entirely.
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