Coast FIRE Calculator

See the number you'd need invested today to "coast" to retirement — where your current investments grow untouched to cover your future FIRE number, no more contributions required.

Current ageiYour age today.

Retirement ageiThe age you plan to stop working and start relying on your investments.

Annual expenses ($)iHow much you expect to spend each year in retirement, in today's dollars.

Expected return (%)iThe average annual growth rate you expect on your investments, before inflation.

Age I want to coast byiThe age you'd like to stop contributing and let compound growth do the rest.

Invested now ($)iThe total amount you currently have invested across all accounts.

Full FIRE numberiThe total amount invested you'd need to retire fully, based on the 4% rule: annual expenses x 25.

Coast FIRE number todayiWhat you'd need invested right now so growth alone gets you to your Full FIRE number by retirement age, with no more contributions.

Gap to coastiThe difference between what you have invested now and your Coast FIRE number today.

Question 1: At my current contribution, how long until I coast?

Enter your monthly contribution to see when you'd coast.

Monthly contribution now ($)iHow much you're currently investing each month across all accounts.

Projected coast ageiThe age you'd reach your Coast FIRE number if you kept contributing your current monthly amount.

Years awayiHow many years from now that projected coast age is.

Question 2: To coast by a specific age, how much do I need to contribute?

Set your target coast age above to see the monthly amount needed.

$/mo needediThe monthly contribution required to reach your Coast FIRE number by the age you set above.