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Coast FIRE Calculator
See how much you need invested today to coast to retirement with a free Coast FIRE calculator.
Coast FIRE target today
$263,204
Gap from current assets
$83,204
Monthly savings needed
$462
What this estimate means
If you stop new contributions at age 32, you would want about $263,204 invested now to coast to retirement at age 60.
This assumes 7% annual growth and a 4% withdrawal rate in retirement.
How to Use
- Enter your current age and planned retirement age.
- Add your current invested assets.
- Choose a long-term annual return assumption.
- Enter your retirement spending target and withdrawal rate.
Frequently Asked Questions
What is Coast FIRE?
Coast FIRE means you have enough invested already that it could grow on its own to your retirement target without large new contributions.
Why is the Coast FIRE target lower than the full FIRE number?
Because the Coast FIRE target is the amount you would need today, before future growth has had time to compound.
Can I still contribute after reaching Coast FIRE?
Yes. Continuing to save can lower risk and improve flexibility even if you technically reach your coast number.
Is this only for early retirees?
No. Coast FIRE is useful for anyone who wants to know whether their current savings base can do more of the work over time.
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