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Calculate Coast FIRE: already saved enough to retire at 65 without more savings — see Coast number and years to coast.
Calculate Coast FIRE: already saved enough to retire at 65 without more savings — see Coast number and years to coast.
Enter values above and click Calculate — results will appear here with the formula explained.
Coast FIRE is amount needed today to grow to FIRE by 65 without additional savings. It is FIRE number discounted back at return rate.
If you have Coast amount, you can stop saving and coast. More is Barista or Full FIRE.
To use the Coast FIRE Calculator, enter annual expenses at retirement, current age, retirement age above for an instant result with full breakdown and formula (FIRE at 65 = expenses/withdrawal; Coast = FIRE / (1+r)^(years to 65)). Adjust values live to compare scenarios, then check the worked example and FAQs below for practical tips and costly mistakes to avoid.
Calculate Coast FIRE: already saved enough to retire at 65 without more savings — see Coast number and years to coast. Formula: FIRE at 65 = expenses/withdrawal. Example: With $40k expenses, 4% rule FIRE $1M at 65, age 30, 7% return: Coast is $1M /1.07^35 ≈ $93k.
Coast FIRE is amount needed today to grow to FIRE by 65 without additional savings. It is FIRE number discounted back at return rate.
If you have Coast amount, you can stop saving and coast. More is Barista or Full FIRE.
To use the Coast FIRE Calculator, enter annual expenses at retirement, current age, retirement age above for an instant result with full breakdown and formula (FIRE at 65 = expenses/withdrawal; Coast = FIRE / (1+r)^(years to 65)). Adjust values live to compare scenarios, then check the worked example and FAQs below for practical tips and costly mistakes to avoid.
With $40k expenses, 4% rule FIRE $1M at 65, age 30, 7% return: Coast is $1M /1.07^35 ≈ $93k. With $100k saved, you are already Coast.
Formulas are standard public references (see our methodology). External standards are cited in the text where they apply.
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