Coast FIRE calculator

Coast FIRE means what you've already invested will grow into your FIRE number by the time you retire, even if you never save another cent. From then on you only need to earn what you spend.

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All amounts are in today's money.

Coast FIRE number
You have today
Stop saving at
Portfolio growth
Portfolio Coast number FIRE number
On the way
What moves the age you stop saving
Keep track of the portfolio you're building

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How Coast FIRE works

Your Coast FIRE number

€750,000 ÷ 1.04930 ≈ €178,000

Your FIRE number, shrunk by the growth you'd get between now and retirement. At 35, retiring at 65, €178,000 grows into €750,000 on its own.

You still go to work

At Coast FIRE you stop investing and keep working. You only need to earn what you spend, so you can take a lower-paid job, work fewer hours, or take a long break and come back.

The coast number by age

25€111k
35€178k
45€288k
55€465k

All four ages aim for the same €750,000 at 65. At 25 you need less than a quarter of what you'd need at 55.

What can push it back

Lower returns Spending creeps up Retiring earlier Selling in a crash

Coasting leaves decades for returns to fall short of the plan. Check every year or two, and save a little again if you fall behind.

Other kinds of FIRE

Full FIRE

Enough invested to cover all your spending, with no work at all. Find your number and the month you get there.

FIRE calculator

Barista FIRE

You leave full-time work and part-time income covers some of your spending, so the portfolio can be smaller.

Barista FIRE calculator

Read more

Of Dollars And Data What is Coast FIRE? The Ultimate Guide to Semi-Retirement Nick Maggiulli on saving hard early, then easing off for lower-stress work. ProjectionLab What is Coast FIRE? The formula, examples at different ages, and the risks of coasting. Kitces When You Have Enough Retirement Savings To Coast FIRE How financial planners test whether coasting works, and the risks they look for. The Motley Fool FAT FIRE vs. Coast FIRE vs. Barista FIRE How the three differ in savings, spending and how much you keep working. Wikipedia Trinity study The 1998 study behind the 4% rule: which withdrawal rates lasted 15 to 30 years in US market history.
On Reddit r/coastFIRE r/financialindependence r/EuropeFIRE

Track the portfolio that gets you there

This calculator runs on the return you expect. Stonksfolio shows the one you're getting, across every broker you use.

  • Your real returnTime-weighted, so deposits don't skew it. Check it against what you assumed here.
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