Calculadora Coast FIRE — Formula

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.

Exemplo Resolvido

$1M FIRE target, age 30, retire at 60, 7% return.

  1. Years to grow = 60 - 30 = 30
  2. Growth multiple = 1.07^30 = 7.6x
  3. Coast number = $1,000,000 / 7.6 = $131,367
  4. If you have $131K invested at 30, it grows to $1M by 60