Kesoria

Coast FIRE Calculator

Find the amount you need invested today to 'coast' to retirement - letting compounding do the rest, with no further contributions.

Read the guide: Retirement Planning

Investments only - money that compounds (exclude cash you will spend).

In today's money. Your future spending, not your income.

5.0%
CautiousOptimistic
4.0%

Real return is your return after inflation (roughly nominal minus inflation). 5% real is a common long-run assumption for a stock-heavy portfolio.

Coast FIRE Number (needed today)
US$231,377

Invest this much today and you can stop retirement saving - it grows to US$1,000,000 by age 60. You are US$181,377 short.

FIRE Number
US$1,000,000
25x your annual expenses
Coast Number Today
US$231,377
Present value of your FIRE number over 30 yr
Your Savings Coast-Cover At
Age 92
Later than your target - save a bit more.

Your Savings Growing Untouched vs Your FIRE Number

  • FIRE target
  • Projected balance
Age 30Age 33Age 36Age 39Age 42Age 45Age 48Age 51Age 54Age 57Age 60US$0US$250kUS$500kUS$750kUS$1m

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A free account saves your figures and turns one-off calculations into a running, multi-currency net worth you can watch grow. No card, no catch.

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