Calculadora Coast FIRE — Formula

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:

  • Work part-time
  • Take a lower-paying but more fulfilling job
  • Reduce work stress knowing retirement is secured

    • Exemplo Resolvido

    $200,000 saved at age 35, targeting $1,500,000 at age 65, 7% return.

    1. Coast FIRE number = $1,500,000 / (1.07)^30 = $197,100
    2. Current savings ($200,000) > Coast number ($197,100)
    3. Surplus = $200,000 - $197,100 = $2,900
    4. You have reached Coast FIRE -- existing savings will compound to $1.52M