Coast FIRE Calculator

Find out if you have enough invested to coast to retirement without saving more. Calculate your coast FIRE number.

By Konstantin Iakovlev · Updated April 2026 · Source: IRS

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Set Target By
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FIRE Number

$1,500,000.00

Coast FIRE Number

$140,494.41

Status

$90,494.41 needed

What is Coast FIRE?

Coast FIRE means you have enough invested today that compound growth alone will reach your retirement target without any additional contributions. Your Coast FIRE number is $140,494.41.

You need $90,494.41 more to reach Coast FIRE.

Projected Growth (No Additional Contributions)

Age 30$50,000.00
Age 35$70,127.59
Age 40$98,357.57
Age 45$137,951.58
Age 50$193,484.22
Age 55$271,371.63
Age 60$380,612.75
Age 65$533,829.07

Use the Coast FIRE Calculator above to calculate your results. Enter your values and see instant results — all calculations run in your browser.

Disclaimer: This calculator is for informational purposes only and does not constitute tax, financial, or legal advice. Results are estimates based on the information you provide and current rates. Always consult a qualified tax professional or financial advisor for advice specific to your situation.

How It Works

Coast FIRE asks a single question: have you already saved enough that your existing investments, left alone to compound, will carry you to a comfortable retirement without another dollar of contributions? Reaching that point by 2026 changes how you think about work and saving, since it frees you to ease off aggressive contributions and reduce the financial pressure of the years ahead.

To find the answer, the tool grows your current balance forward at a chosen annual rate until the retirement age you set. It then works out the future portfolio you'd need to produce your target annual income, drawing on a safe withdrawal rate of typically 4%. When the projected balance clears that required figure, you've hit Coast FIRE.

Every figure here rests on assumed growth and withdrawal rates, both of which shift with markets and time. Inflation deserves particular attention, since the income you picture in today's dollars buys less down the road. Retirement healthcare costs are easy to lowball, so build a realistic estimate of them into the annual income you're aiming for.

Example: Sarah's Coast FIRE Journey

  1. 1 Sarah is 35 years old and has $150,000 invested. She plans to retire at 60 and wants $60,000 per year in retirement. She estimates an 8% annual investment growth rate and a 4% safe withdrawal rate.
  2. 2 The calculator projects Sarah's $150,000 investment growing at 8% annually for 25 years (until age 60) to approximately $1,029,919. To generate $60,000 annually with a 4% withdrawal rate, she needs $1,500,000 at retirement.
  3. 3 Sarah's projected balance of $1,029,919 is less than the $1,500,000 needed. Therefore, Sarah has NOT yet reached Coast FIRE.
  4. 4 This means Sarah needs to continue saving or increase her investment growth to reach her retirement goal. She could explore increasing her current savings, finding ways to boost her investment returns, or adjusting her desired retirement income.

Source: IRS · Last updated: April 2026

Frequently Asked Questions

What is Coast FIRE?
Coast FIRE is when you have enough invested that compound growth alone will grow it to your full retirement number by your target age, without any additional contributions. You still work to cover living expenses but stop saving for retirement.
How do I calculate my Coast FIRE number?
Divide your target retirement number by (1 + expected return rate) raised to the power of years until retirement. For example, needing $1.5M in 20 years at 7% returns means your Coast FIRE number is about $388,000 today.
What is the difference between Coast FIRE and Barista FIRE?
Coast FIRE means you stop saving for retirement but still work full-time to cover expenses. Barista FIRE means you switch to part-time work, using your portfolio to partially cover the gap between part-time income and expenses.

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