Calculate Coast FIRE: already saved enough to retire at 65 without more savings — see Coast number and years to coast.
Calculate Coast FIRE: already saved enough to retire at 65 without more savings — see Coast number and years to coast.
Enter values above and click Calculate — results will appear here with the formula explained.
Coast FIRE is amount needed today to grow to FIRE by 65 without additional savings. It is FIRE number discounted back at return rate.
If you have Coast amount, you can stop saving and coast. More is Barista or Full FIRE.
Advertisement
AdSense ready — add NEXT_PUBLIC_GOOGLE_ADSENSE_PUBLISHER_ID
Coast FIRE is amount needed today to grow to FIRE by 65 without additional savings. It is FIRE number discounted back at return rate. Formula: FIRE at 65 = expenses/withdrawal; Coast = FIRE / (1+r)^(years to 65)
Coast FIRE Calculator computes calculate coast fire: already saved enough to retire at 65 without more savings — see coast number and years to coast. Formula: FIRE at 65 = expenses/withdrawal. Example: With $40k expenses, 4% rule FIRE $1M at 65, age.
Calculate Coast FIRE: already saved enough to retire at 65 without more savings — see Coast number and years to coast. Formula: FIRE at 65 = expenses/withdrawal; Coast = FIRE / (1+r)^(years to 65)
| Field | What to enter |
|---|---|
| Annual expenses at retirement ($) | e.g. 40000 |
| Current age | e.g. 30 |
| Retirement age | e.g. 65 |
| Annual return (%) | e.g. 7 |
| Withdrawal rate (%) | e.g. 4 |
All fields use the exact formulas shown below — results include step-by-step breakdowns you can verify by hand.
Advertisement
AdSense ready — add NEXT_PUBLIC_GOOGLE_ADSENSE_PUBLISHER_ID
With $40k expenses, 4% rule FIRE $1M at 65, age 30, 7% return: Coast is $1M /1.07^35 ≈ $93k. With $100k saved, you are already Coast.
Advertisement
AdSense ready — add NEXT_PUBLIC_GOOGLE_ADSENSE_PUBLISHER_ID