Find out when your existing investments will grow to your FIRE number without any additional contributions.
| Age | Year | Portfolio Value ($0 contributions) | Target Coast Milestone |
|---|
The Coast FIRE calculator projects your portfolio growth and retirement needs using the following mathematical formulas:
This calculator uses your expected nominal return rate and expected inflation rate to project future values. The Coast FIRE number tells you the exact amount you need invested today so that compounding interest alone will grow it to your full FIRE number by the time you retire.
Coast FIRE is the point at which your existing investments will grow to your target retirement number by your traditional retirement age without any additional contributions. Once you reach Coast FIRE, you no longer need to save for retirement.
Your Coast FIRE number is calculated by taking your full FIRE number (which is typically 25 times your annual expenses, adjusted for inflation over the years until retirement) and discounting it back to the present day using your expected real return rate.
Historically, the stock market has returned about 7-10% annually before inflation. A common conservative estimate for a real (inflation-adjusted) return rate is 5-7%.
No, Coast FIRE means you can stop saving for retirement. You still need to cover your current living expenses until you reach your target retirement age. Many people choose to downshift to less stressful, lower-paying jobs once they reach Coast FIRE.
Inflation reduces purchasing power over time. If your retirement is 20 years away, your annual expenses will be much higher in nominal terms than they are today. Adjusting for inflation ensures your FIRE number will actually cover your future lifestyle.