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Coast
Coast FIRE Calculator
Find how much you need invested today so growth alone can carry you to financial independence by a chosen age.
Assumptions
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%
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%
Coast number
$197,050.68
Needed today to reach $1,500,000.00 by age 60
Full FIRE number
$1,500,000.00
Gap to coast
$77,050.68
30 years until age 60
Projection
- Portfolio (no new contributions)$913.5K
- FIRE target$1.5M
Educational estimate only — not financial advice. Markets, taxes, and fees can change outcomes.
FAQ
- What is Coast FIRE?
- Coast FIRE means you already have enough invested that, with no further contributions, compound growth can reach your full FIRE number by a target retirement age.
- Do I still need to work?
- Typically yes — but only enough to cover living expenses. You can stop (or sharply reduce) retirement contributions once you hit your coast number.
- How is the coast number calculated?
- We take your FIRE number and discount it back by your expected return over the years until retirement: coast = FIRE ÷ (1 + r)^years.