Coast FIRE Calculator
Find out if you already have enough saved to stop contributing and retire on time — letting compound growth do the heavy lifting.
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Used to calculate your FI Target (25×)
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7% is a common inflation-adjusted estimate
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Used to calculate when you'll reach your coast number
FI Target (25×)
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Total needed to retire
Your Coast Number
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Needed today to coast
Current Savings
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What you have now
Gap to Coast
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How much more needed
Disclaimer: These results are estimates for informational and educational purposes only. They do not constitute financial, investment, or tax advice. Assumed rates of return are not guaranteed. Full disclaimer →
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Frequently Asked Questions
What is Coast FIRE?
Coast FIRE is the point where you have saved enough in your retirement accounts that, even if you never contribute another dollar, compound growth alone will grow your savings to your FI number by your target retirement age. Once you hit your coast number, you only need to earn enough to cover current living expenses — not save for the future.
How is the Coast FIRE number calculated?
Your FI Target is 25 times your expected annual spending in retirement (the 4% safe withdrawal rule). Your Coast Number is then: FI Target ÷ (1 + annual return)^years until retirement. For example, if you want $1.5M by age 65 and you're 35, with a 7% return, your coast number today is about $197,000.
What annual return rate should I use?
Most people use 7% as a conservative, inflation-adjusted estimate based on the historical average of a diversified US stock market index fund portfolio. You can lower this (5–6%) for a more conservative estimate, or raise it (8–10%) for an optimistic one. The default of 7% is a widely used benchmark.
What is the 4% rule?
The 4% rule is a retirement guideline stating you can safely withdraw 4% of your portfolio each year without running out of money over a 30-year retirement. This means you need 25 times your annual spending saved to be financially independent. It was derived from the Trinity Study and is a widely used starting point for retirement planning.