⛵ Coast FIRE Calculator

Find out when your savings can coast to retirement through compound growth alone

Your Details

Your age today, used to calculate compounding time.
Historically ~7% for stocks after inflation
The 4% rule: withdraw 4% of your portfolio in year 1, adjust for inflation. Historically survived 30+ year retirements.
The 4% rule is commonly used

Your Coast FIRE Results

Retirement FIRE Number
$0
Amount needed at retirement age
Coast FIRE Number (Today)
$0
If you have this much now, you can stop saving for retirement
Coast FIRE Status
—
Your Savings Will Grow To
$0
By retirement, without additional contributions

What is Coast FIRE? Coast FIRE means you've saved enough that compound growth alone will get you to your retirement goal — you no longer need to contribute more. You still work to cover living expenses, but the retirement pressure is off.

FPValidate.init({ 'current-age': { label: 'Current age', min: 10, max: 80, unit: ' years', custom: function(v) { var r = parseFloat(document.getElementById('retirement-age').value); if (!isNaN(r) && v >= r) return 'Current age must be less than retirement age.'; }}, 'retirement-age': { label: 'Retirement age', min: 30, max: 90, unit: ' years' }, 'annual-expenses': { label: 'Annual expenses', min: 1 }, 'return-rate': { label: 'Return rate', min: 0, max: 20, unit: '%' }, 'withdrawal-rate': { label: 'Withdrawal rate', min: 1, max: 10, unit: '%' }, }); function fpCoastShare() { var results = [ { label: 'FIRE Number', value: document.getElementById('fire-number').textContent }, { label: 'Coast FIRE #', value: document.getElementById('coast-number').textContent }, { label: 'Projected Value', value: document.getElementById('projected-value').textContent }, ]; FPShare.open('My Coast FIRE Results', results); }