Kostenloser Coast-FIRE-Rechner (detailliert)
Berechnen Sie, wann Ihre bestehenden Anlagen durch Zinseszins auf Ihr Ruhestandsziel anwachsen, ohne weitere Einzahlungen.
Coast FIRE Number
$197,051
Coast FIRE Number vs Current Retirement Savings
Formel
Coast FIRE
Coast FIRE means your existing savings will compound to your retirement goal WITHOUT any additional contributions.
Coast FIRE Number
Coast Number = Target / (1 + Return)^Years
This is the present value of your retirement target. If your current savings exceed this number, you have reached Coast FIRE.
After Coast FIRE
Once you hit Coast FIRE, you only need to earn enough to cover current expenses. You can:
Lösungsbeispiel
$200,000 saved at age 35, targeting $1,500,000 at age 65, 7% return.
- 01Coast FIRE number = $1,500,000 / (1.07)^30 = $197,100
- 02Current savings ($200,000) > Coast number ($197,100)
- 03Surplus = $200,000 - $197,100 = $2,900
- 04You have reached Coast FIRE -- existing savings will compound to $1.52M
Häufig Gestellte Fragen
What is the difference between Coast FIRE and regular FIRE?
Regular FIRE means you have enough to retire now. Coast FIRE means you have enough that compounding will get you there by a normal retirement age. You still need to work to cover current expenses, but you no longer need to save.
What return rate should I use?
A 7% real return (after inflation) is reasonable for a stock-heavy portfolio. For a more conservative estimate, use 5-6%. The higher the return assumption, the lower your Coast FIRE number appears.
Can I coast with all my money in the market?
Coast FIRE assumes your investments continue growing, so keeping most in stocks makes sense since you have a long time horizon. As you approach retirement age, gradually shift to bonds per your asset allocation plan.
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