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Coast FIRE Calculator

Coast FIRE is the amount you need invested today so that growth alone — with no more contributions — carries you to your retirement target by your goal age. Enter your numbers below to see yours instantly.

Your numbers

CurrencyBirth monthBirth dayBirth yearGoal retirement ageInvested today$Annual spending in retirement$Expected annual return%Expected inflation%Safe withdrawal rate%Retirement tax rate%

Your Coast FIRE result

Check your numbers — your goal age must be above your current age, and spending must be above zero.

What is Coast FIRE?

Coast FIRE means your current investments are enough to grow into your full retirement target by your goal age, even if you never add another dollar. Once you reach it, you only need to cover your living costs — your retirement is already funded by compound growth.

Track it every month

This calculator is a snapshot. My FIRE Numbers turns it into a monthly habit: saved check-ins, a year-by-year roadmap, and an AI coach that reads your real numbers and suggests your next move.