Coast FIRE Calculator

Estimate how much you need invested today for your portfolio to grow to your retirement goal without additional contributions. You can also see how continued monthly investing may change the age when you reach Coast FIRE.

Enter Your Coast FIRE Details

Start with your age, retirement goal, expected spending, and current invested assets. Results update automatically.

Current age

Target retirement age

Important Desired annual retirement spending ($)

Enter the annual amount you want available in retirement, stated in today’s dollars.

Current invested retirement assets ($)

Include investments intended for retirement. Exclude emergency savings and home equity unless you plan to use them.

Current monthly contribution ($)

This amount is used to estimate when you could reach Coast FIRE if you continue contributing.

Growth and Retirement Assumptions

Investment return (%)

Inflation rate (%)

Safe withdrawal rate (%)

Annual investment fees (%)

The calculator converts your return, inflation, and fee assumptions into an estimated real return so results remain in today’s dollars.

This calculator provides estimates, not guarantees. Investment returns, inflation, fees, taxes, and retirement spending may change over time.

Your Coast FIRE Results

Your status

Calculating your Coast FIRE path…

Adjust the inputs to compare different retirement scenarios.

Coast FIRE Number Today

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Amount needed now to grow to your retirement goal without new contributions.

Current Gap or Surplus

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Compared with your Coast FIRE number.

Full FIRE Number

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Annual retirement spending divided by your withdrawal rate.

If You Stop Contributing

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Projected portfolio at your retirement age in today’s dollars.

If You Keep Contributing

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Projected portfolio with your current monthly contribution.

Estimated Coast FIRE Age

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Based on continued monthly contributions.

Progress toward today’s Coast FIRE number —

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Your Coast FIRE Path

Compare your projected portfolio with the Coast FIRE amount required at each age.

Values are shown in today’s dollars. The green line includes your monthly contributions, the teal line assumes no new contributions, and the blue line shows the Coast FIRE threshold at each age.