Coast FIRE Calculator
Coast FIRE is the point where your invested savings will grow to your full retirement target on their own — no more contributions needed. Find your coast number and whether you've reached it.
- Full FIRE number
- $1,250,000
- Years until retirement
- 33
- Coast number (needed today)
- $249,841
- Invested so far
- $120,000
- Projected at retirement
- $600,383
You need $249,841 invested today to coast. You're $129,841 short — keep contributing until you cross it, then you could ease off.
Estimates only — not financial advice. They produce estimates based on the figures you enter and do not account for every fee, tax or change in rate.
- The result is a deterministic estimate from the inputs shown on this page.
- Fees, taxes and real-world terms not represented by an input are excluded.
- Confirm material decisions against original documents or a qualified professional.
The email includes this route only; calculator inputs are not attached.
Why Coast FIRE is powerful
Because compounding does the heavy lifting over decades, the money you invest early matters most. Once your existing investments are enough to coast, you've effectively pre-funded retirement — freeing you to take a lower-paying but more enjoyable job, go part-time, or stop saving and spend more today.