The point where current savings, with NO more contributions, will compound to your FIRE number by retirement age.

How is Coast FIRE calculated?

Future Value = Savings × (1+r)^t. Compare to FIRE number (Annual Expenses × 25). If FV ≥ FIRE number, Coast FIRE achieved.

What return rate should I use?

Most US planners use 6–8% real for a stock-heavy diversified portfolio. Investor.gov and the SEC recommend conservative assumptions.

What does "required additional contributions" mean?

The level annual contribution that closes any projected gap: C = Gap × r ÷ ((1+r)^t − 1).

Coast FIRE Calculator

Check whether your current savings can compound to your FIRE number by retirement age with no further contributions.

Inputs

Current age

Retirement age

Current savings

USD

Annual expenses at retirement

USD

Expected annual return

Result

Coast FIRE Status

Achieved

target $1,250,000.00

Future Portfolio Value$1,398,800.96

Required Additional Contributions$0 (none needed)

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Formula

Future Value = Savings × (1 + r)^t FIRE Number = Annual Expenses × 25 Required Annual Contributions = Gap × r ÷ ((1+r)^t − 1)

How it works

A Coast FIRE calculator checks if your current savings, with NO further contributions, will compound to your FIRE number by retirement age.

Example

Example: Age 32 → 65 (33 years), $150k savings, 7% return, $50k expenses: FV ≈ $1.41M vs FIRE target $1.25M — Coast FIRE achieved.

Frequently Asked Questions

Disclaimer: Results are estimates for informational purposes only and should not be considered financial, medical, legal, or professional advice. Always consult a qualified professional before making decisions.