Free Coast FIRE Calculator
Calculate your Coast FIRE number -- the savings amount that will grow to your FIRE number by retirement without additional contributions.
USD
years
years
%
Coast FIRE Number
$131,367
Growth Multiple7.6 x
Years for Compound Growth30 years
Coast FIRE Number vs FIRE Number (Target)
Coast FIRE
Coast FIRE means you have saved enough that compound growth alone will reach your retirement goal -- you can "coast" without additional savings.
Coast Number = FIRE Number / (1 + return)^years
Once you reach your Coast number, you only need to earn enough to cover current expenses, not save for retirement.
Example Calculation
$1M FIRE target, age 30, retire at 60, 7% return.
- 01Years to grow = 60 - 30 = 30
- 02Growth multiple = 1.07^30 = 7.6x
- 03Coast number = $1,000,000 / 7.6 = $131,367
- 04If you have $131K invested at 30, it grows to $1M by 60
Frequently Asked Questions
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