Coast FIRE Calculator

Coast FIRE is the amount you need invested today so that — with no further contributions — it grows to your full FIRE number by retirement.

Your details

Current ageRetirement ageAnnual expenses (retirement)$Withdrawal rate%Annual return%Inflation rate%Current savings$

Coast FIRE number

$275,551.41

Full FIRE number: $1,000,000.00
Surplus / gap vs now: -$175,551.41

Coast FIRE number$275,551.41

Formula

Coast number = FIRE number ÷ (1 + real return)^years, where real return = (1 + return) ÷ (1 + inflation) − 1.

Sources & methodology

Uses a real (inflation-adjusted) return; the 4% rule is a guideline, not a guarantee.

•U.S. SEC — retirement — SEC

Last updated: 2026-07-20

Related calculators

More Retirement →

FIRE Calculator Retirement Calculator

Embed this calculator⌄

Paste this into your page — it works with no key and computes in the visitor's browser.

<iframe src="https://numveo.com/embed/coast-fire-calculator" width="100%" height="640" style="border:0" loading="lazy" title="Coast FIRE Calculator"></iframe>