Coast FIRE Calculator
Find your Coast FIRE number — the invested amount needed today so compound growth alone reaches your retirement goal without further contributions.
Financial Disclaimer
This calculator is for educational purposes only and does not constitute financial advice. Results are estimates based on the inputs provided. Consult a qualified financial advisor before making investment or financial planning decisions.
Inputs
Results
Coast FIRE Number
$140,494.41
≈ 9 used cars
How to Use This Calculator
- Enter your current age and target retirement age.
- Input your current invested assets (401(k), IRA, brokerage accounts).
- Enter your target retirement number — typically 25x your expected annual expenses.
- Set your expected annual real return on investments.
- Review your Coast FIRE number — if your current investments already equal this amount, they will grow to your retirement target without any more contributions.
How the result changes with Retirement Age
| Retirement Age | Coast FIRE Number |
|---|---|
| 36 | $999,513.34 |
| 51 | $362,269.63 |
| 69 | $107,182.51 |
| 84 | $38,847.87 |
What each input means
- Current Age
- Your current age in years.
- Retirement Age
- Traditional retirement age when you want full financial independence.
- Current Investments
- Current value of invested assets (retirement accounts, brokerage, etc.).
- Target Retirement Number
- Total portfolio value you need at retirement (e.g. 25x annual expenses).
- Expected Annual Return
- Expected average annual real return on investments.
What each result means
- Already Coast FIRE?
- 1 = Yes, 0 = No
How this is calculated
Worked example, using the default values
- Identify Input Parameters4 parametersCurrent Age = 30, Retirement Age = 65, Current Investments = 150000, Target Retirement Number = 1500000 = 5 input(s) provided
- Calculate Coast FIRE NumberCoast FIRE Number140494.41 = $140,494.41
- Calculate Already Coast FIRE?Already Coast FIRE?1 = 1
- Calculate Years of Growth RemainingYears of Growth Remaining35 = 35
Engine last updated . Checked against 1 independently-derived test — how we verify calculators.
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