Coast FIRE Calculator

2026 rules

Find how much you need invested now so growth alone gets you to retirement.

Your numbers

Your age

Age you'll stop working

Yearly spending in retirement (today's dollars)

Invested now

Real return (after inflation)

Withdrawal rate

Result

Coast FIRE number today$271,935

FI number at retirement (today's dollars)$1,500,000
Grows for 35 years at 5.0% real
Coast number today$271,935
Invested now$120,000
Still needed today$151,935
Your savings at retirement with no new contributions$661,922

Coasting means you still earn enough to cover today's bills, but you no longer need to add to retirement savings.

How it works

Your coast number is your retirement target discounted back to today at your real return. If your investments already exceed it, you can stop adding to retirement savings and let them grow, as long as your earnings cover your current spending.

A longer runway makes the number much smaller. At 5% real, money doubles roughly every 14 years.

Questions

Is coast FIRE the same as retiring?

No. You keep working, but only to pay current bills, which leaves room for lower-paying or part-time work.

What if returns disappoint?

Then you'd need to save again later. Using a lower real return builds in a margin.