Find your Coast FIRE number — the amount that, left alone to grow, becomes a full retirement fund by your target age — and see when you’ll reach it.
Coast FIRE number by age
How much you’d need invested at each age to coast to your FIRE number by 65.
| Age | Coast FIRE number | Your projected balance |
|---|
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How to use the Coast FIRE Calculator
- Enter your current age, target retirement age and how much you have invested today.
- Enter your expected annual return, an inflation rate, your planned annual spending in retirement (today’s money) and a safe withdrawal rate (4% is the classic default).
- Read your FIRE number, your Coast FIRE number for today, your status, and — if you’re not there yet — the age you’ll reach it at your current contribution rate.
About this tool
Coast FIRE is the point where you have invested enough that, with no further contributions, compound growth alone will carry the balance to your full retirement number by your retirement age. From then on you only need to earn enough to cover your living costs — you can “coast”: switch to part-time work, a lower-stress job, or simply stop worrying about saving.
The math: your FIRE number is annual spending ÷ safe withdrawal rate (e.g. 50,000 ÷ 4% = 1,250,000). Discount it back to today at your real return (nominal return adjusted for inflation): Coast number = FIRE number ÷ (1 + real return)years to retirement. Everything is calculated in today’s money so the spending figure you enter stays meaningful.
Frequently asked questions
What return should I assume?
A diversified stock portfolio has historically returned about 7% a year after inflation is roughly 3% — so 7% nominal with 3% inflation, or about 4% real, is a common conservative starting point. Lower assumptions give a higher, safer Coast number.
Is a 4% withdrawal rate safe?
It is the classic rule of thumb from the Trinity study for a 30-year retirement. For very early retirement many people use 3.25%–3.5%, which raises the FIRE number by 15–25%.
What’s the difference between Coast FIRE and Barista FIRE?
Coast FIRE means you stop contributing but keep working to cover expenses. Barista FIRE means you withdraw a little from investments and work part-time to cover the rest, before your full retirement age.
Does this include pensions or state benefits?
No. If you expect a pension or state benefit, reduce the annual spending figure by the amount it will cover.