Coast Fire Number
Calculator
Results
- Coast FIRE number
- 442,954.157546
- Growth if left untouched
- 1,057,045.842453
- Discount factor
- 0.295302
Retirement planning results
| Coast FIRE number | 442,954.157546 |
| Growth if left untouched | 1,057,045.842453 |
| Discount factor | 0.295302 |
formula-map diagram
- Coast FIRE number
- 442,954.157546
- Growth if left untouched
- 1,057,045.842453
- Discount factor
- 0.295302
Retirement planning relationship
Formula
Coast = F ÷ (1 + r)^n= 442954.15754664
Note
This is not financial advice. It is a simplified model: it applies the displayed standard formula to the figures you entered, assumes a single constant rate for every year, and ignores taxes, fees, sequence-of-returns risk, health costs, longevity risk and any country's specific pension, benefit or minimum-distribution rules. Real returns can be negative and real retirements rarely follow a smooth curve. Check the assumptions and consult a licensed adviser before acting on any figure.
More in Retirement planning
See all →Frequently asked questions
What does 'Coast FIRE' mean?+
Coast FIRE is the point where your current investments, left untouched and simply growing with market returns until traditional retirement age, will reach your full retirement target on their own — meaning you no longer need to save more for retirement, only cover current living costs. You could theoretically stop retirement contributions and still 'coast' to your goal.
How is the Coast FIRE number different from a regular FIRE number?+
A FIRE number is the amount needed to retire and start withdrawing now; a Coast FIRE number is a smaller amount needed today that, given enough years of growth before retirement age, will compound into that full FIRE number without any further contributions.
Why does the number depend so heavily on my current age and target retirement age?+
The gap between your current age and retirement age determines how many years of compound growth are available to turn today's balance into the future target — more years means a smaller Coast FIRE number is needed today, since growth alone does more of the work.
If I hit my Coast FIRE number, do I really need to save nothing more?+
Technically for retirement, yes under the model's assumptions, but most people still keep contributing for flexibility, to retire earlier than originally planned, or as a buffer against lower-than-assumed market returns. Reaching the number reduces required savings pressure — it doesn't eliminate the value of continuing to save.
Does this account for jobs that stop offering employer retirement contributions?+
No — the calculation only projects your existing balance forward; if you're relying on stopping personal contributions but keeping employer matching, or switching to a lower-paying but more flexible job, factor that separately since the calculator doesn't distinguish contribution sources.