Coast FIRE calculator
Your Coast FIRE number
- Full FIRE number
- $1,250,000
- Invested today
- $50,000
- Years of saving to reach Coast FIRE
- 13 yrs
- Your Coast FIRE number
- $117,079
Your Coast number is set — now build the full plan
A vetted fiduciary can map the path from Coast to full FIRE, including tax placement and sequence-of-returns risk.
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The short answer
Coast FIRE is the savings amount at which, without another contribution, your investments grow to your full FIRE number by retirement. Once you hit it, your retirement is already funded — you only have to cover today's expenses and leave the balance alone.
What is Coast FIRE?
Coast FIRE is a milestone on the path to financial independence. You have saved enough that compound growth alone carries you to full FIRE — no mandatory retirement contributions from here.
Coast FIRE vs Barista FIRE vs lean FIRE
These are variations on the same idea: cutting the savings required to stop working by accepting a trade-off. Coast FIRE assumes you stop contributing but never touch the balance.
The formula
Coast FIRE = FIRE number ÷ (1 + r)^n — FIRE number = annual spend ÷ withdrawal rate, r = annual return, n = years to retirement.
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