Coast FIRE Calculator
When can you stop saving for retirement?
Your Coast FIRE Number
$316,266
Coast Age
53
Time Left
23 years
FIRE Goal
$1,200,000
You'll reach Coast FIRE at age 53. After that, compound growth alone gets you to $1,200,000.
Portfolio Projection
Year-by-Year Breakdown
| Age | Contributions | Growth | Withdrawals | End Balance | FIRE % | Phase |
|---|---|---|---|---|---|---|
| 30 | $18,000 | $1,942 | -- | $69,942 | 4.2% | Saving |
| 31 | $18,000 | $2,716 | -- | $90,658 | 5.8% | Saving |
| 32 | $18,000 | $3,521 | -- | $112,179 | 7.6% | Saving |
| 33 | $18,000 | $4,356 | -- | $134,535 | 9.3% | Saving |
| 34 | $18,000 | $5,225 | -- | $157,760 | 11.2% | Saving |
| 35 | $18,000 | $6,127 | -- | $181,887 | 13.1% | Saving |
| 36 | $18,000 | $7,064 | -- | $206,951 | 15.2% | Saving |
| 37 | $18,000 | $8,037 | -- | $232,988 | 17.2% | Saving |
| 38 | $18,000 | $9,048 | -- | $260,036 | 19.4% | Saving |
| 39 | $18,000 | $10,098 | -- | $288,134 | 21.7% | Saving |
What is Coast FIRE?
The point where compound growth alone carries you to retirement -- without saving another dollar.
You still need income to cover today's expenses. Future growth is an assumption, not retirement on autopilot.
3 Steps to Your Number
$1.2M
$48K / 4% SWR
Your FIRE Number
3.88%
1.07 / 1.03 − 1
Your Real Return
$316K
$1.2M over 35 years
Your Coast Number
How Coast FIRE Compares
Based on $48K/yr spending, 4% SWR, age 30, retire at 65
Get There Faster
Max tax-advantaged accounts
401(k) match first, then Roth IRA, then max the 401(k).
Cut $1K from annual spending
Every $1,000 cut = $25,000 less you need to save.
Start as early as possible
Age 25 needs $260K. Age 35 needs $375K. Time is everything.
Keep investment fees under 0.2%
A 1% fee gap costs hundreds of thousands over a career.
Use a Roth conversion ladder →
Access retirement funds before 59.5, penalty-free.
Frequently Asked Questions
What is Coast FIRE?
How is the Coast FIRE number calculated?
What is a safe withdrawal rate (SWR)?
What return rate should I use?
What happens after I reach Coast FIRE?
Is Coast FIRE the same as regular FIRE?
How does inflation affect my Coast FIRE number?
Can I use this calculator for a couple?
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