Coast FIRE Calculator · Summary
Based on $150K invested today, 7% expected return, and a target of $60K/yr in retirement by age 60.
Coast FIRE status
You are $112K away from Coast FIRE
Your Coast FIRE number is $262K — the amount needed today so compound growth alone reaches your retirement target.
Coast FIRE number
$262K
Current invested
$150K
Retirement target
$1.5M
Years to retirement
25
Scenario assumptions
Current age
35
Retirement age
60
Current invested
$150K
Desired retirement spending
$60K/yr
Expected return
7%
Withdrawal rate
4%
What’s driving this
Your Coast FIRE number is $262K—the amount you need invested today so that growth alone reaches your retirement target of $1.5M by age 60. You're currently at $150K, so you're $112K away. Once you hit the Coast number, you can stop contributing and let compounding do the work. The biggest levers are time horizon (more years lower the Coast number), expected return, and your spending target.
This summary is for educational purposes only and does not constitute financial advice. Projections assume constant returns and do not account for taxes, fees, or market volatility. The 4% withdrawal rate is a widely referenced guideline, not a guarantee. Consult a financial advisor for personalized guidance.