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Coast FIRE Calculator
Find out how much you need invested today to reach your retirement goal without making additional retirement contributions.
Coast FIRE means you have enough invested today that, assuming your investments continue to grow at a reasonable rate, you can reach your retirement target without adding more money.
Your assumptions
18 or older
Must be after your current age
Everything already invested for retirement
Used as a floor if it is larger than the expense-based target
Nominal, 0–20%
Used to grow expenses to retirement
In today's money
How long the corpus must last
Your Coast FIRE Number
$6,775,792.08
Invested today, growing at 8% for 30 years, to reach a $68,182,470.89 retirement corpus.
You're not at Coast FIRE yet
You need approximately $6,775,792.08 more invested today to reach your Coast FIRE number.
Your current retirement savings
$0.00
Years until retirement
30 years
Projected retirement corpus at 60
$0.00
Additional contributions required
$6,775,792.08
Annual retirement expenses at age 60, adjusted for inflation: $3,446,094.70. Corpus needed to fund 25 years of that spending: $68,182,470.89.
These figures are projections from your inputs, not financial advice or a guaranteed outcome.
Growth from today to retirement
Your current savings compounding with no further contributions, against the Coast FIRE path that lands exactly on your target.
What is Coast FIRE?
Coast FIRE is the milestone where your existing investments are large enough to grow into your full retirement corpus on their own. You still work and still pay your bills, but you no longer have to put money aside for retirement — compounding covers the rest of the journey. It is the most reachable milestone on the financial independence path because time, not extra saving, does the heavy lifting.
How does Coast FIRE work?
- 1. Decide your retirement lifestyle. Start from what a year of retirement costs in today's money.
- 2. Estimate your retirement corpus. Grow those expenses by inflation to your retirement age, then size a portfolio that can fund them for your full retirement.
- 3. Work out the compounding runway. Count the years between today and your target retirement age at your expected return.
- 4. Discount the corpus back to today. That present value is your Coast FIRE number.
- 5. Reach it and coast. Once you hold that amount, you can potentially stop making retirement contributions and let compound growth do the work.
Coast FIRE vs FIRE
| Coast FIRE | Traditional FIRE |
|---|---|
| Reach a required investment amount early | Build enough wealth to retire early |
| Stop or reduce retirement contributions | Investments support expenses sooner |
| Continue working for other reasons | Usually requires a larger corpus before leaving work |
| Let investments compound | Withdrawals begin as soon as you stop working |
Example: coasting from age 30
Example only — the figures below come from the same calculation the calculator above uses. A 30-year-old plans to retire at 60, spends $600,000.00 a year in today's money, expects an 8% return with 6% inflation, needs the corpus to last 25 years, and has $1,500,000.00 invested.
Target retirement corpus
$68,182,470.89
Coast FIRE number today
$6,775,792.08
Projected corpus at 60
$15,093,985.33
Still needed today
$5,275,792.08
Coast FIRE calculator FAQ
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Coast FIRE is one checkpoint. Finwise tracks your accounts, investments and savings rate and runs these projections on your real numbers every month.
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