Coast FIRE Calculator
Find if your current savings alone will fund retirement.
Enter your values
Enter the current retirement savings in $.
Enter the target retirement number in $.
Enter the current age in years.
Enter the target retirement age in years.
Enter the assumed annual return in %.
Results update instantly as you type — no submit needed. Your values are remembered on this device, and the shareable link reopens the calculator with exactly these numbers.
- Projected value at retirement (no more contributions)
- $814,114.90
- Savings needed today to Coast FIRE
- $276,373.77
- Coast FIRE status
- Not yet — need $126,373.77 more
Quick answer
You've reached Coast FIRE when your current savings, growing at your assumed return with no further contributions, will reach your retirement number by your target age.
Required current savings = target FIRE number / (1+r)^years
At a glance
| What it does | Find if your current savings alone will fund retirement. |
|---|---|
| Category | Finance |
| Inputs needed | Current retirement savings, Target retirement number, Current age, Target retirement age, Assumed annual return |
| Main output | Projected value at retirement (no more contributions) |
| Formula | Required current savings = target FIRE number / (1+r)^years |
| Cost | Free — no sign-up, no download |
How to use the Coast FIRE Calculator
- 1Enter your current retirement savings and target retirement number.
- 2Enter your current age and target retirement age.
- 3If your projected growth alone reaches the target, you've hit Coast FIRE and can stop actively saving for retirement.
Inputs explained
- Current retirement savings($)
- Enter the current retirement savings in $.
- Target retirement number($)
- Enter the target retirement number in $.
- Current age(years)
- Enter the current age in years.
- Target retirement age(years)
- Enter the target retirement age in years.
- Assumed annual return(%)
- Enter the assumed annual return in %.
Worked example
Using the values the calculator loads with:
Inputs
- Current retirement savings150000 $
- Target retirement number1500000 $
- Current age35 years
- Target retirement age60 years
- Assumed annual return7 %
Results
- Projected value at retirement (no more contributions)$814,114.90
- Savings needed today to Coast FIRE$276,373.77
- Coast FIRE statusNot yet — need $126,373.77 more
Frequently asked questions
What is Coast FIRE?
It's the point where your existing investments will grow to your retirement goal on their own, letting you work only to cover current expenses.
Should I stop saving entirely at Coast FIRE?
Many people keep contributing for a safety margin or to retire earlier than originally planned.
What do I need to enter into the Coast FIRE Calculator?
Just 5 values: current retirement savings, target retirement number, current age, target retirement age, assumed annual return. Every field starts with a realistic example, so you can change one number at a time and watch the result update instantly.
How does the Coast FIRE Calculator work out the answer?
You've reached Coast FIRE when your current savings, growing at your assumed return with no further contributions, will reach your retirement number by your target age. It applies the formula Required current savings = target FIRE number / (1+r)^years and shows the working so you can check each step by hand.
Is the Coast FIRE Calculator free, and do I need an account?
It is completely free with no sign-up, no download and no usage limit. Everything is calculated in your browser, so the numbers you type never leave your device.
Results are estimates for general information. For medical, legal, structural or financial decisions, confirm with a qualified professional.