Free Coast FIRE Calculator - Plan Your Early Retirement
Determine if you can stop saving and let your investments grow to retirement.
Formula & Methodology
Coast FIRE is reached when your current portfolio, without any future contributions, will grow large enough to support your retirement spending through compound interest alone.
- Coast FIRE Number = Annual Spending × 25
- Projected Savings = Current Savings × (1 + r)^t
Worked Example
Using the Coast FIRE Calculator: apply the formula above to your input values. For instance, Coast FIRE Number = Annual Spending × 25, then Projected Savings = Current Savings × (1 + r)^t. The tool performs each step instantly and shows the result.
Frequently Asked Questions
What is Coast FIRE?
It is the point where your invested savings will grow to fund retirement on their own, so you only need to cover current living costs.
How is Coast FIRE different from full FIRE?
With Coast FIRE you stop saving for retirement but keep working to pay bills; full FIRE means you can stop working entirely.
What return assumption should I use?
A conservative real return (after inflation) of around 5-7% is common, and testing lower rates shows how sensitive the target is.