FinanceInstant Tool
Coast FIRE Calculator
Calculate the invested assets needed today to retire without saving another dollar
Coast FIRE Estimator
Calculate how much you need invested today to retire comfortably without saving more
How Coast FIRE Calculator Works
Coast FIRE Number = Annual Spend / 0.04 / 1 + Real Return ^ Years to RetirementDetermines the lump sum invested assets needed today that will compound into a full retirement nest egg based on your expected retirement age, annual spending, and real inflation-adjusted investment returns.
Variable Breakdown
Age
Current AgeYour current age in years
RetAge
Retirement AgeTarget retirement age in years
Assets
Current AssetsTotal current liquid invested portfolio in USD
Spend
Annual SpendingDesired annual living expenses in retirement USD
Return
Real ReturnAnnual portfolio growth rate after accounting for inflation
Example Calculation
Age 30 Planning Retirement at 60 with 60000 USD Annual Spend
A 30-year-old with 150000 USD invested wants to spend 60000 USD annually at age 60 assuming a 7 percent real investment return.
- Full FIRE target equals 60000 divided by 0.04 which equals 1500000 USD
- Growth timeline equals 60 minus 30 which equals 30 compounding years
- Compounding factor equals 1 plus 0.07 raised to 30 which equals 7.612
- Coast FIRE target equals 1500000 divided by 7.612 which equals 197052 USD
- Current 150000 USD assets represents 76 percent of the Coast FIRE target with a 47052 USD gap remaining
Result:Coast Target 197052 USD
Coast FIRE Target by Current Age 60000 USD Spend at 65
| Current Age | Years to Grow | 5% Real Return | 7% Real Return |
|---|---|---|---|
| 25 years | 40 years | 213068 USD | 100171 USD |
| 30 years | 35 years | 271900 USD | 140495 USD |
| 35 years | 30 years | 347063 USD | 197052 USD |
| 40 years | 25 years | 443048 USD | 276380 USD |
| 45 years | 20 years | 565342 USD | 387625 USD |
Frequently Asked Questions
What is Coast FIRE?
Coast FIRE is the financial independence milestone where you have saved enough invested assets early in life that compound growth will fund traditional retirement without needing to save another dollar.
What is the 4 percent rule in FIRE?
The 4 percent rule suggests that an investor can withdraw 4 percent of their initial retirement portfolio balance annually, adjusted for inflation, with minimal risk of running out of money over a 30-year retirement.
What real rate of return should I assume for Coast FIRE?
Most financial planners recommend using a real return between 5 and 7 percent. The S&P 500 has historically returned approximately 10 percent nominal and 7 percent after inflation over long horizons.
How is Coast FIRE different from Barista FIRE?
With Coast FIRE, you still work to cover 100 percent of your current living expenses, but you can stop contributing to retirement savings. With Barista FIRE, your portfolio covers part of your living expenses while you work a part-time job for supplemental income or healthcare.
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