Coast FIRE is the point at which your current savings, left to grow at market returns, will reach your full FIRE number by retirement — without any additional contributions. Once you've reached your Coast FIRE number, you only need to cover living expenses without worrying about retirement savings.
Enter Your Measurements
Results
Coast FIRE Number
276,374
$
Gap to Coast FIRE
126,374
$
Formula
How to Use This Calculator
How to Use
- 1
Enter your target FIRE number (total portfolio needed at retirement).
- 2
Enter your current invested savings balance.
- 3
Set your expected annual investment return (7% is a common long-term estimate).
- 4
Enter how many years until you want to retire — your Coast FIRE number is shown.
Frequently Asked Questions
Frequently Asked Questions
What do I do after reaching Coast FIRE?
Does Coast FIRE work if returns vary?
In-Depth Guides
What Is FIRE? How to Calculate Your FIRE Number
Understand the FIRE movement, the 25x rule, safe withdrawal rate, and how to calculate exactly when you can retire early with the 4% strategy.
Coast FIRE Explained: Invest Now, Relax Later
Learn how Coast FIRE works, how to calculate your Coast FIRE number, and why reaching it means you can stop investing and let compounding do the rest.
Related Calculators
Related Calculators
About This Calculator
This calculator uses the formula: Coast FIRE = Target FIRE Number / (1 + Annual Return)^Years Until Retirement Gap = max(0, Coast FIRE Number − Current Savings). All calculations follow industry-standard methods. Results are estimates — always verify with a licensed professional for structural or code-compliant work.
Built and maintained by the CalcSmart team. Last updated March 2026.
▶Embed this calculator on your website
Copy and paste this code into your page:
<iframe src="https://calcsmart.io/embed/coast-fire-calculator" width="100%" height="520" frameborder="0" style="border-radius:8px;border:1px solid #e5e7eb" title="Coast FIRE Calculator"></iframe>Free to embed. Attribution link included automatically.