Coast FIRE Calculator

Find your Coast FIRE number — the amount you need invested today so it grows into full financial independence by retirement with no further contributions. See the age you're on track to coast. No signup required.

370K

Increase contributions to reach Coast FIRE before retirement

Coast FIRE projection

When your portfolio overtakes the coast target, you can stop contributing

Your portfolio

Coast target

FIRE number

Your portfolio

Coast target

FIRE number

Coast number (today)

370K

Current savings

50K

Projected at retirement

162.2K

FIRE number

1.2M

370K

Increase contributions to reach Coast FIRE before retirement

Coast FIRE projection

When your portfolio overtakes the coast target, you can stop contributing

Your portfolio

Coast target

FIRE number

Your portfolio

Coast target

FIRE number

Coast number (today)

370K

Current savings

50K

Projected at retirement

162.2K

FIRE number

1.2M

What it is

Coast FIRE is the milestone where the money you've already invested will grow into your full FIRE number by retirement on its own — no further contributions needed. After that you only have to earn enough to cover today's living costs.

This calculator finds your coast number today and the age you're on track to reach it.

How the math works

FIRE number: Annual expenses ÷ Safe Withdrawal Rate (25× expenses at a 4% SWR).
Coast number: FIRE number discounted back to today at your real return: FIRE ÷ (1 + real return)^years to retirement.
Real return: Annual return − inflation, compounded monthly, so everything is in today's money.
Coast age: The age your portfolio (with current contributions) first meets the coast target for that age.

Assumptions & caveats

Returns are assumed steady; real markets vary year to year.
Expenses and the FIRE number are expressed in today's purchasing power (real returns).
Contributions stop mattering for the target once you reach Coast FIRE, but you still need income for living costs.
Taxes and one-off costs are not modelled.

Frequently asked questions

Track your FIRE progress automatically

Connect your accounts and selfinance keeps your FIRE and coast numbers up to date from your real portfolio.

Get started

Your complete financial picture, finally in one place

Join thousands who replaced their spreadsheet juggle and four-app routine with a single, automated view of their net worth, budget, and investments.

3-day free trial · No credit card · Cancel anytime

Sselfinance

Coast FIRE Calculator

370K

Increase contributions to reach Coast FIRE before retirement

Coast FIRE projection

When your portfolio overtakes the coast target, you can stop contributing

Your portfolio

Coast target

FIRE number

Your portfolio

Coast target

FIRE number

Coast number (today)

370K

Current savings

50K

Projected at retirement

162.2K

FIRE number

1.2M

370K

Increase contributions to reach Coast FIRE before retirement

Coast FIRE projection

When your portfolio overtakes the coast target, you can stop contributing

Your portfolio

Coast target

FIRE number

Your portfolio

Coast target

FIRE number

Coast number (today)

370K

Current savings

50K

Projected at retirement

162.2K

FIRE number

1.2M

What it is

This calculator finds your coast number today and the age you're on track to reach it.

How the math works

FIRE number: Annual expenses ÷ Safe Withdrawal Rate (25× expenses at a 4% SWR).
Coast number: FIRE number discounted back to today at your real return: FIRE ÷ (1 + real return)^years to retirement.
Real return: Annual return − inflation, compounded monthly, so everything is in today's money.
Coast age: The age your portfolio (with current contributions) first meets the coast target for that age.

Assumptions & caveats

Returns are assumed steady; real markets vary year to year.
Expenses and the FIRE number are expressed in today's purchasing power (real returns).
Contributions stop mattering for the target once you reach Coast FIRE, but you still need income for living costs.
Taxes and one-off costs are not modelled.

Frequently asked questions

Track your FIRE progress automatically

Connect your accounts and selfinance keeps your FIRE and coast numbers up to date from your real portfolio.

Get started

Your complete financial picture, finally in one place

Join thousands who replaced their spreadsheet juggle and four-app routine with a single, automated view of their net worth, budget, and investments.

3-day free trial · No credit card · Cancel anytime

Coast FIRE Calculator

370K

370K

What it is

How the math works

Assumptions & caveats

Frequently asked questions

How is Coast FIRE different from regular FIRE?

What can I do after reaching Coast FIRE?

Why does a younger age need a smaller coast number?

Should I keep investing after Coast FIRE?

Your complete financial picture, finally in one place

Coast FIRE Calculator

370K

370K

What it is

How the math works

Assumptions & caveats

Frequently asked questions

How is Coast FIRE different from regular FIRE?

What can I do after reaching Coast FIRE?

Why does a younger age need a smaller coast number?

Should I keep investing after Coast FIRE?

Your complete financial picture, finally in one place