Coast FIRE Calculator

Coast FIRE is the amount invested today that grows into your full retirement target on its own, letting you stop adding new money.

Coast FIRE number (needed today) $368,498.36

How it's calculated

Your Coast FIRE number is the present value of your FIRE target: the target divided by growth compounded over the years until retirement. If you already have that much invested, compounding alone can carry you the rest of the way.

Assumptions

Returns compound annually for this projection.
Assumes no further contributions after today — that is the definition of Coast FIRE.

Last updated: 2026-08-07

These assumptions follow our general methodology.

Frequently asked questions

What is Barista FIRE?

A related idea where part-time income covers some expenses, so your portfolio only needs to cover the gap. This calculator has a Barista mode for that.

Can I really stop saving?

Mathematically yes for retirement, but you would still need to cover current living costs from income until then.

Related calculators

FIRE Number Calculator Your FIRE number is the portfolio that can cover your annual expenses at a safe withdrawal rate — 25 times expenses at the classic 4% rate. Retirement Calculator Enter your age, savings, and monthly contribution to see what your retirement balance could become, shown both in future dollars and in today’s purchasing power.