Decision Calculator
Coast FIRE Calculator
How much invested today would allow your portfolio to grow to your retirement target without any additional contributions? Find your Coast FIRE number and see the power of compound growth.
Coast FIRE status
You are $111,990 away from Coast FIRE.
Your Coast FIRE number is $261,990 — the amount needed today so compound growth alone reaches your retirement target.
Coast FIRE number
$261,990
Current invested
$150,000
Coast FIRE status
You are $111,990 away from Coast FIRE.
Your Coast FIRE number is $261,990 — the amount needed today so compound growth alone reaches your retirement target.
Coast FIRE number
$261,990
Current invested
$150,000
Growth projection to retirement
The blue line shows what happens if you never contribute another dollar. The dashed line is your retirement target — the portfolio needed to support $60,000/yr at a 4% withdrawal rate.
Key numbers
Retirement target
$1,500,000
At retirement (no contributions)
$858,813
Gap to Coast
$111,990
Years to retirement
25
What is Coast FIRE?
Coast FIRE answers a powerful question: How much do I need invested today so that my portfolio grows to my retirement target without any additional contributions? Once you hit that amount—your Coast FIRE number—you can “coast”: stop contributing and let compound growth do the work.
The concept relies on compound growth. Your target retirement portfolio is based on your desired spending and a safe withdrawal rate (typically 4%). Your Coast FIRE number is that target divided by the growth factor over your remaining years. A longer time horizon dramatically lowers the Coast threshold—starting early is one of the biggest advantages.
What affects your Coast FIRE number?
- Time horizon — More years to retirement means more compounding. A 25-year-old needs far less than a 45-year-old for the same target.
- Expected returns — Higher assumed returns lower the Coast number; lower returns raise it. Historical stock market returns are often cited around 7–10% before inflation.
- Spending level — A higher desired retirement spending raises your target portfolio and thus your Coast number.
- Withdrawal rate — A 4% withdrawal rate implies a target of 25× annual spending. A more conservative 3% implies ~33×.
This calculator 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. Actual outcomes will vary. The 4% withdrawal rate is a widely referenced guideline, not a guarantee. Consult a financial advisor for personalized guidance.