Finance Calculators

Coast FIRE Calculator

Check whether your current retirement savings, left to grow untouched, will reach your FIRE number by retirement age without any further contributions.

Current age

Target retirement age

Current retirement savings

Expected annual return

Expected annual expenses in retirement

Safe withdrawal rate

Target FIRE number —

Projected value at retirement —

Surplus (or shortfall) —

About the Coast FIRE Calculator

"Coasting" to FIRE means you've saved enough already that, left alone to compound with no further contributions, your current balance alone would grow to your full retirement number by the time you reach retirement age.

Formula: Projected Value = Current Savings × (1 + Return)^years, compared against FIRE Number = Annual Expenses ÷ Safe Withdrawal Rate.

Reaching "Coast FIRE" doesn't mean you can stop working — it means you could stop contributing to retirement accounts and still meet your number, freeing up income for other goals or lower-paying, more flexible work.