Coast FIRE Calculator

Financial information notice: This calculator provides estimates based on your inputs and assumptions, not financial, tax or investment advice. Verify details before making decisions.

Estimate the amount invested today needed to reach a retirement target without further contributions.

Retirement portfolio target

Years until retirement

Assumed annual return (%)

Current invested balance

Formula and assumptions

Illustrative nominal-return projection; returns, inflation, taxes and fees are not guaranteed.

Results depend on the inputs and assumptions shown. Check units and independently verify important decisions.

For general information. Report an issue.

Frequently asked questions

What is Coast FIRE?

Coast FIRE is a personal-finance concept where existing retirement savings are projected to grow to a future retirement target without additional contributions, assuming a chosen investment return.

What return rate should I use?

Use a conservative assumption that reflects your planning horizon and risk tolerance, and test several scenarios. Investment returns are uncertain and are not guaranteed.

Does a Coast FIRE result guarantee retirement readiness?

No. It is a projection, not a guarantee. Inflation, taxes, fees, market losses, changing spending and retirement timing can materially change the outcome.