Coast FIRE Status
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FIRE Number Your Annual Retirement Spending divided by your Withdrawal Rate. This is the portfolio balance needed at retirement to fund your spending through withdrawals alone.
$0
Total needed at retirement
Coast FIRE Number The amount you would need invested today so that compound growth alone reaches your FIRE Number by retirement, with no further contributions.
$0
Amount needed today to coast
Projected at Retirement
$0
With continued contributions
All values shown in today's purchasing power
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Subscribe - $3.95/monthHow Coast FIRE is Calculated
Coast FIRE is the point at which your invested portfolio is large enough that, without any further contributions, compound growth alone will reach your full retirement target by your intended retirement age. At that point, you only need to cover your current living expenses — your future retirement is already funded by what you have saved.
The Core Formulas
- FIRE Number
- Annual Retirement Spending ÷ Safe Withdrawal Rate. The portfolio balance needed at retirement to fund indefinite spending through withdrawals alone.
- Real Return
- (1 + Nominal Return) ÷ (1 + Inflation) − 1. All results are expressed in today's purchasing power (inflation-adjusted), so the numbers stay meaningful over long time horizons.
- Coast FIRE Number
- The FIRE Number discounted back to today at the real return rate over the years remaining to retirement. If your current investments equal or exceed this number, you have reached Coast FIRE.
Contribution Modeling
Monthly contributions are compounded monthly. If you set an annual contribution growth rate above 0%, contributions increase each year in real (above-inflation) terms — reflecting income growth over a career.
Default Assumptions
- 7% nominal annual return — a common long-run assumption for a diversified equity portfolio, based on historical averages
- 3% annual inflation — a common long-run estimate
- 4% safe withdrawal rate — the classic guideline from Bengen (1994); lower rates are more conservative
Limitations
- Returns are modeled as constant year to year. Actual market returns vary and can include extended periods of significant loss.
- Does not account for taxes, investment fees, account type differences (401(k), Roth IRA, taxable brokerage), or Social Security income.
- Projections do not represent guaranteed future outcomes. Past market performance does not predict future results.
This tool is for educational and informational purposes only. It is not financial, tax, or investment advice. Consult a qualified financial professional before making investment decisions. See our Terms of Service, Privacy Policy, and Security information.