Coast FIRE Calculator
Find out if your current savings can grow to your FIRE number on their own — without contributing another dollar.
Your Details
Default: 4%
Coast FIRE Number
$329,443
Amount you need invested today to reach FIRE by 65
Your FIRE Number
$1,250,000
Target at retirement (4% withdrawal rate)
Coast FIRE Status
Not yet
You need $229,443 more to reach Coast FIRE
Projected at Retirement
$379,428
Without any additional contributions
Portfolio Growth (No New Contributions)
Will your portfolio reach your FIRE number on its own?
How These Calculations Work
Coast FIRE Number
Coast FIRE = FIRE Number / (1 + r)^n where r = real return rate, n = years to retirement
The amount you need invested today so that, without any additional contributions, it grows to your full FIRE number by retirement age. Uses real (inflation-adjusted) returns.
FIRE Number
FIRE Number = Annual Retirement Spending / Safe Withdrawal Rate
The full amount needed to retire. At 4% withdrawal rate, you need 25x your annual retirement spending.
Frequently Asked Questions
Important Disclaimer
This calculator is for educational and informational purposes only. It does not provide financial, investment, tax, or legal advice. Results are estimates based on the assumptions you enter and may differ from actual outcomes. Past performance does not guarantee future results. Consult a qualified financial professional before making investment decisions.