Coast FIRE Calculator

Coast FIRE is when you have enough invested that, without adding another dollar, your portfolio will compound to your FIRE number by your target retirement age. Once you hit Coast FIRE, you only need to earn enough to cover current living expenses — not to save or invest more.

Coast FIRE Number = FIRE Number / (1 + r)^years_to_retirement. Your FIRE number is annual spending / SWR. If you need $1.5M at retirement in 25 years at 7% return, your Coast FIRE number today is $1,500,000 / (1.07)^25 = $275,000.

You can stop contributing to retirement accounts. Your investments compound on their own to reach your FIRE number by retirement. You can shift income to cover only living expenses, take a lower-paying but more fulfilling job, or take a sabbatical.

Coast FIRE means your investments alone will grow to cover full retirement without contributions. Barista FIRE means you've partially retired — working part-time to cover current expenses while your investments keep growing. They often overlap: hitting Coast FIRE enables Barista FIRE.

The slider lets you see the Coast FIRE number at any point in time. Saving aggressively for 5 years to hit a lower Coast FIRE number, then stopping, is often much easier than saving all the way to the full FIRE number. The slider shows exactly how much you need to save by each target year.