Coast FIRE calculator
Once you pass your Coast FIRE number your job only needs to cover current costs, because retirement savings finish the job through growth alone.
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How to use it
- Enter annual retirement spending, safe withdrawal rate, current age, retirement age, real annual return and current retirement savings.
- The result appears straight away and updates as you edit.
- Copy the result, or copy a link that keeps the same values to share it.
How it is calculated
FIRE number = annual spending ÷ withdrawal rate. Coast FIRE number = FIRE number ÷ (1 + r)^n, where r is the real annual return and n the years to retirement age.
Example
Inputs: Annual retirement spending = 60,000, Safe withdrawal rate = 4 %, Current age = 30 years, Retirement age = 60 years, Real annual return = 5 %. Result: Coast FIRE number today: 347,066.17; FIRE number at retirement: 1,500,000.00; Shortfall: 247,066.17.
Limits and caveats
- It assumes no withdrawals before retirement and a constant yearly return.
- Use a real return after inflation, since spending is entered in present-day money.
Questions about this tool
What is the difference between FIRE and Coast FIRE?
FIRE means you already have enough to stop working. Coast FIRE means you have enough that will grow into it by retirement age while a job covers your costs.
Can I stop saving once I reach it?
In theory yes, but continuing even a little gives a safety margin if returns come in lower than expected.
Why does the number change so much with age?
Fewer years remain for growth, so the later you start the more you need today for the same target.