Coast FIRE Calculator
Enter your current savings, expected return, years to retirement, and annual expenses to see whether you have already reached Coast FIRE.
Test your Coast FIRE
What you have invested today. Use 0 if none.
A long-run real or nominal return, from -20% through 40%.
Time until you stop working, from 0 through 80 years.
The yearly spending you want to cover, from $1 through $100 million.
Your savings alone are projected to grow past your FIRE number. You need about $184,249.18 today to coast.
- FIRE number at retirement
- $1,000,000.00
- Projected value of current savings
- $1,085,486.53
- Coast number needed today
- $184,249.18
How Coast FIRE is calculated
Coast FIRE means you have enough invested now that, with no further contributions, growth alone reaches your FIRE number by retirement. First the FIRE number is set from annual expenses and a safe withdrawal rate. Then today’s savings are grown to retirement, and the coast number is the FIRE number discounted back to today. The 4% rule is a rule of thumb, not advice.
FIRE number = Annual expenses / Withdrawal rateCoast number = FIRE number / (1 + r)Years- Withdrawal rate
- Safe rate, such as 4% (0.04)
- r
- Expected annual return, as a decimal
- Years
- Time until retirement
$200,000 saved, 25 years out, $40,000 of expenses
With $40,000 of annual expenses and a 4% withdrawal rate, the FIRE number is $1,000,000. Growing $200,000 at 7% for 25 years projects to $1,085,486.53, which already exceeds the FIRE number — so this saver has reached Coast FIRE. The coast number needed today is only $184,249.18.
This is an educational calculation based only on the values you provide, and it is not financial advice.
What this calculator assumes
- No further contributions after today — savings coast.
- The expected return is constant until retirement.
- The FIRE number uses the withdrawal rate you set; 4% is the common default and only a rule of thumb.
- Expenses are in today’s dollars, with no inflation adjustment.
Coast FIRE FAQ
What is Coast FIRE?
Coast FIRE is the point where your invested savings are large enough that, left alone to grow, they will reach your retirement target without any additional contributions. You still cover current expenses, but you no longer have to save for retirement.
Is the 4% rule guaranteed?
No. The 4% rule is a historical rule of thumb for a sustainable withdrawal rate, not a guarantee. Market returns, sequence of returns, and your time horizon can all change the outcome.
Sources and review notes
- U.S. Securities and Exchange Commission, Investor.gov — compound interest
- Government of Canada (canada.ca) — public pensions and retirement
Methodology last checked Jul 14, 2026. Formula implementation is covered by deterministic unit tests. No financial professional review is claimed yet.