Coast FIRE number
$93,663
Save this much today and stop contributing — it grows to your FIRE target by age 65.
Coast FIRE Calculator
Find out if your current savings will grow to cover retirement without any additional contributions.
FIRE target at retirement
$1,000,000
Portfolio needed to cover $40,000/yr at 4% withdrawal.
Status
$13,663 to go
Keep saving until you hit your Coast FIRE number.
Projected at retirement
Your savings will grow to: $854,127
Falls short of FIRE target by $145,873
Start: Today
Latest: Year 35
Final value: $920,492
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How it works
Coast FIRE is a milestone on the path to financial independence that asks a different question: how much do I need to save right now so that I can stop contributing and still retire comfortably at a normal age? Once you reach your Coast FIRE number, compound growth alone carries your existing savings to your full retirement target. You still need to earn enough to cover current expenses, but the pressure to maximize savings disappears.
The calculation works backward from your FIRE target. It takes the portfolio you will need at retirement and discounts it to today using your expected annual return and the years remaining. The result is your Coast FIRE number — a present-value figure. If your current savings exceed it, you have already reached Coast FIRE. The practical implication is that you can take a lower-paying job, work part-time, or pursue passion projects without jeopardizing retirement security.
Frequently asked questions
What is Coast FIRE?
Coast FIRE means you have saved enough that compound growth alone will carry your portfolio to your retirement target. You no longer need to save — just cover your current living expenses.
How is Coast FIRE different from regular FIRE?
Regular FIRE means you can stop working entirely. Coast FIRE means you can stop saving for retirement but still need income for current expenses. It is a milestone on the way to full FIRE.
What assumptions matter most?
The expected rate of return and years until retirement have the biggest impact. Higher returns or a longer timeline lower your Coast FIRE number significantly.
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