Coast FIRE is the amount you need invested today so that, with growth alone and no further contributions, it reaches your full FIRE number by retirement age.

How is the Coast FIRE number calculated?

It takes your FIRE number (annual spend divided by your withdrawal rate) and discounts it back to today using your expected real return over the years to retirement.

Yes. Every figure stays in your browser and nothing is uploaded.

Coast FIRE Calculator

Coast FIRE calculator

Coast FIRE is the point where your invested portfolio is large enough that, with investment growth alone, it will reach your full retirement target by the time you stop working — even if you never contribute another penny.

This calculator finds your FIRE number (annual spend ÷ withdrawal rate), then discounts it back to today using your expected real return to give the Coast FIRE number you need right now. It also tells you whether your current portfolio has reached it. All calculations run in your browser.