免费Coast FIRE计算器
计算何时可以停止为退休存钱，让已有储蓄通过复利自然增长至目标。
Coast FIRE Number
$131,367
Coast FIRE Number vs FIRE Number (Target)
公式
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.
计算示例
$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
常见问题
What is Coast FIRE?
Coast FIRE means having enough invested that compound growth alone will fund your retirement. You still need to work to cover living expenses, but you no longer need to save.
Why is Coast FIRE popular?
It allows people to take lower-stress or more fulfilling jobs without worrying about savings rate. Once you hit your coast number, you just need to cover expenses.
How reliable is the 7% return assumption?
The US stock market has historically returned about 10% nominal (7% real). Using 7% is reasonable but not guaranteed. Consider running scenarios at 5-8%.
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