Coast FIRE Calculator 2026
Find your Coast FIRE number — the savings threshold where compound growth alone funds your retirement, even if you stop saving today.
Coast FIRE is the savings milestone where your existing investments will compound to your full retirement target without additional contributions. After reaching Coast FIRE, you only need to earn enough to cover current living expenses — freeing you to work less, change careers, or pursue passions.
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What Is Coast FIRE and How Does It Work?
Coast FIRE is a concept from the Financial Independence, Retire Early (FIRE) movement. The idea is simple: once your investments reach a certain threshold, compound growth alone will carry them to your retirement target — even if you never contribute another dollar. The Coast FIRE number is that threshold.
The Math Behind Coast FIRE
The formula is: Coast FIRE Number = FIRE Target ÷ (1 + Return Rate)^(Years Until Retirement). Your FIRE Target is typically 25x your annual expenses (based on the 4% safe withdrawal rate). For example, if you need $50,000/year in retirement, your FIRE Target is $1,250,000. If you are 30 and plan to retire at 60, with 7% real returns, your Coast FIRE number is about $164,000.
Why Coast FIRE Is Gaining Popularity
Coast FIRE has become the most popular FIRE variant because it is achievable much earlier than full FIRE. Most people can reach Coast FIRE in their 30s or early 40s, allowing decades of lower-stress working years. Related FIRE variants include Barista FIRE (work part-time to cover expenses plus health insurance), Lean FIRE (retire on minimal expenses), and Fat FIRE (retire with a generous budget).