Coast FIRE Calculator
Annual Expenses ($)
Current Age
Current Savings ($)
Retirement Age
Coast FIRE is a financial independence strategy where you save aggressively early, then let compound interest grow your portfolio to your FIRE number by retirement — without contributing another dollar.
- 1FIRE Number = Annual Expenses × 25 (4% withdrawal rule)
- 2Coast Number = FIRE Number ÷ (1 + real return)^years to retirement
- 3Typical real return assumption: 7% nominal (5% real)
- 4Once you hit the Coast Number, you only need to cover living expenses
$40K expenses, age 30, retire 65=FIRE number $1M. Coast number ~$95K today at 7% growth
$60K expenses, age 35, retire 60=FIRE number $1.5M. Coast number ~$430K
| Current Age | Retire at 55 | Retire at 60 | Retire at 65 |
|---|---|---|---|
| 25 | $195K | $140K | $100K |
| 30 | $275K | $195K | $140K |
| 35 | $390K | $275K | $195K |
| 40 | $550K | $390K | $275K |
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