How does the Coast FIRE Calculator work?

FIRE Number = Annual Expenses × 25 (4% withdrawal rule) Then: Coast Number = FIRE Number ÷ (1 + real return)^years to retirement Then: Typical real return assumption: 7% nominal (5% real) Then: Once you hit the Coast Number, you only need to cover living expenses.

Can you give an example of how to use the Coast FIRE Calculator?

Example: Input $40K expenses, age 30, retire 65 gives a result of FIRE number $1M. Coast number ~$95K today at 7% growth.

Is the Coast FIRE Calculator free to use?

Yes — completely free with no registration, download, or subscription required. All calculations happen instantly in your browser.

How accurate is the Coast FIRE Calculator?

Our Coast FIRE Calculator uses verified mathematical formulas and is accurate to multiple decimal places. Results are calculated in real-time using the same methods used by professionals.

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Coast FIRE Calculator

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Annual Expenses ($)

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.

Symbol	Name	Unit	Description
PV	Current savings	$	Amount already saved
r	Annual return	%	Investment return (e.g., 7% stock market)
n	Years	years	Time until retirement
FV	Future value	$	Amount at retirement (compound growth)

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

References

›Coast FIRE explained — Mr Money Mustache
›4% rule research — Trinity Study

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Coast FIRE Calculator

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Coast FIRE Number by Age (7% growth, $40K/yr expenses)

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