Free Coast FIRE Calculator
Calculate when your existing investments will compound to your retirement goal without any additional savings.
Coast FIRE Number
$197,051
Coast FIRE Number vs Current Retirement Savings
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:
Example Calculation
$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
Frequently Asked Questions
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