FIRE Planning

Calculate Your Coast FIRE Number

Find out when you can stop saving and let compound interest carry you to retirement. Coast FIRE (Financially Independent Retire Early) means your current savings will grow to your FI number without additional contributions.

Note: These calculations are based on a tax-free retirment account (Roth IRA or Roth 401(k)). A pre-tax 401(k) will require a substantially higher retirement portfolio. See the Retirement Calculator to understand the full scope of retirement, including tax implications.

The total amount you wish to spend per year in retirement.
Historical S&P 500 average is ~10%; 7–8% is a conservative estimate.

Your Coast FIRE Results

Coast FIRE Number
$0
Amount needed in your account today to coast to retirement
Your FI Number
$0
Total needed at retirement
Years Until Coast FIRE
--
Age --
Monthly Savings Needed
$0
To reach Coast FIRE by your target age
Status
Calculating...

Growth Projection

Understanding the Results

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FI Number
Your annual spending ÷ safe withdrawal rate. This is the total portfolio you need at retirement to never run out of money.
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Coast FIRE Number
The amount you need today that will grow to your FI number by retirement age, assuming no additional contributions.
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The Power of Time
The younger you are, the less you need today thanks to decades of compound growth. Start early!
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Some Differences you May See
You may notice that the Coast FIRE number shown under “Find My Number” differs from the Portfolio Value at Coast FIRE shown under “My Savings Rate.” That difference is intentional. The value in “Find My Number” represents the amount you would need today to stop contributing immediately and still reach full FI by retirement through compounding alone. If you don’t already have that amount, you must continue investing to reach it. During that time, your portfolio keeps growing from both contributions and compounding. As a result, by the time you actually hit Coast FIRE under the “My Savings Rate” scenario, your portfolio balance will typically be higher than the original “today” Coast number.

Now That You Know Your Coast FIRE Number... Take Action!

Ready to put savings away to try and reach Coast FIRE? Open a retirement account or regular brokerage today with AFFILLIATENAME to start your journey!

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Full Disclosure: This is an affiliate link. If you sign up, the brokers might toss a few coins my way. It doesn't cost you a penny extra, but it does help keep the math running and the lights on around here. Win-win.

How It's Calculated

FI Number = Annual Spending ÷ Safe Withdrawal Rate
Coast FIRE Number = FI Number ÷ (1 + Annual Return)Years to Retirement
Monthly Savings = Future Value of Annuity formula to reach Coast FIRE by target age
What is the Safe Withdrawal Rate?
The SWR is the percentage of your portfolio you can withdraw each year in retirement without running out of money. The classic research-backed figure is 4% (the "4% Rule"), meaning a $1M portfolio supports $40,000/year of spending indefinitely. A lower rate (e.g. 3%) is more conservative for longer retirements; a higher rate (e.g. 5%) assumes a shorter or more flexible retirement. At 4%, your FI number is simply 25× your annual spending.

What Does Coast FIRE Mean to You?

The freedom to stop aggressive saving

Coast to Retirement

You've saved enough that compound interest alone will grow your portfolio to your FI number by retirement age - no more contributions needed.

Work Optional

You can take lower-paying but more fulfilling jobs, work part-time, or just cover current expenses without worrying about retirement savings.

Financial Security

Even if you never save another dollar, your retirement is secured. Any future savings is pure gravy or early retirement.

Earlier Than Full FIRE

Coast FIRE typically happens 10-15 years before full FIRE, giving you freedom in your 30s or 40s instead of waiting until your 50s.

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