Coast FIRE Calculator
Calculate how much you need to save today to coast to financial independence
Your Financial Profile
Your Coast FIRE Results
Enter your details and click "Calculate" to see your Coast FIRE path.
About This Calculator
This Coast FIRE Calculator uses the 4% safe withdrawal rule (25x annual expenses) and real return rate (investment return minus inflation) to determine how much you need saved today to "coast" to retirement without further contributions.
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What is Coast FIRE?
Coast FIRE is a strategy where you save aggressively early to reach a target amount. After that, you can stop contributing — your investments will grow on their own to support full retirement. You can then "coast" with lower-stress jobs or passion pursuits.
Why You Need a Coast FIRE Calculator?
Most people overestimate how much they need to retire. Coast FIRE lets you front-load savings and gain freedom decades earlier. This calculator shows exactly how much to save today so compound growth does the rest.
How to use the Coast FIRE Calculator — Complete guide:
Step 1 — Enter your current age
Your age today.
Step 2 — Set retirement age
When you want to be fully retired (e.g., 65).
Step 3 — Current savings
Total in retirement/investment accounts.
Step 4 — Annual expenses
How much you'll spend per year in retirement (today's dollars).
Step 5 — Returns & inflation
7% return and 2.5% inflation are common defaults.
Step 6 — Get results
See your Coast FIRE number and growth projection.
Example:
Age: 30 | Retire: 65 | Savings: $50k | Expenses: $40k | 7% return | 2.5% inflation
Coast FIRE Number: ~$183,000
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