How do you calculate Coast FIRE number?

Coast FIRE Number = FIRE Target / (1 + annual return rate)^years to retirement. For example, if your FIRE target is $1M, you're 25 years from retirement, and expected return is 7%, Coast FIRE = $1,000,000 / (1.07)^25 ≈ $184,000.

What's the difference between Coast FIRE and regular FIRE?

Regular FIRE requires saving up to 100% of your target. Coast FIRE only requires reaching a tipping point where compound interest does the rest. Coast FIRE happens much earlier, reducing financial stress sooner.

Coast FIRE Calculator - When Can You Stop Saving?

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Free

Find out when you can stop saving — let compound interest carry you to retirement.

Enter Your Financial Data

🔥 FIRE Target ($)

Total assets needed = annual expenses × 25

💰 Current Net Worth ($)

Your current invested assets

📈 Annual Return Rate (%)

Expected long-term annual return (e.g., 7%)

🎯 Target Retirement Age

Traditional retirement age

🏁 Coast FIRE Number

Amount needed today

✅ Coast FIRE Achieved?
-

⏳ Years to Retirement

years

Coast FIRE Progress0%

📘 What is Coast FIRE?

Coast FIRE is a branch of the FIRE movement. Core idea: once your investment principal reaches a certain point, even if you stop saving, compound interest alone will grow it to your FIRE target by traditional retirement age.

Formula

Coast FIRE Number = FIRE Target / (1 + annual return)^years to retirement

Example

FIRE Target: $1,000,000
Years to retirement (age 65): 25
Annual return: 7%
Coast FIRE Number = $1,000,000 / (1.07)^25 ≈ $184,000

If you have $184,000+ today, congratulations — you've achieved Coast FIRE! No need to save another dollar; compound interest will get you to $1M in 25 years.

Enter Your Financial Data

📘 What is Coast FIRE?

Formula

Example

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