Coast FIRE Calculator
Find the amount you need invested now so you can stop saving and still reach your retirement target.
What is Coast FIRE?
Coast FIRE means you have already invested enough that, with no more contributions, growth alone will reach your retirement target by your chosen age. After that you only need to earn enough to cover current living costs.
How it is calculated
First find the retirement target (spending divided by the withdrawal rate). Then discount it back to today at your expected real return. Using a return after inflation keeps everything in today's money.
Worked example
Last reviewed November 2026. Formulas are standard and shown in the sections above; results are estimates.
Tips and common mistakes
- Use a cautious return, 4-5% after inflation.
- It does not include healthcare or taxes.
- Revisit yearly as markets move.
Learn more
Frequently asked questions
Can I stop working at Coast FIRE?
No, you still need income for living costs until retirement.
Why use a real return?
So the target and your savings are in the same money.
Is Coast FIRE guaranteed?
No. Returns vary.
Money guides for this topic
All guides →Will My Retirement Money Last? Understanding the Odds
Why a fixed 4% rule is only a starting point, what sequence-of-returns risk is, and how simulations show the chance of success.
Read guide →Investing for Beginners: A Simple Plan with the Numbers
A plain-English starter plan for investing: low-cost index funds, regular contributions and why fees matter.
Read guide →Compound Interest Explained (and Why Starting Early Wins)
How compound interest works, the rule of 72, and a simple example showing why time matters most.
Read guide →Related calculators
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Open calculator →Results are estimates and not financial advice.