Coast FIRE Calculator
How much do you need saved now so you can stop contributing and let compounding carry you to retirement?
For full accumulation planning with active savings, see the main FIRE Calculator.
Example: Age 35 Targeting Retirement at 60 with $60K/year
Coast FIRE Number
$578,665.29
FIRE Target at 60
$1,500,000
Gap (if you have $250K)
$328,665.29
Real Return Rate
3.9%
With $60,000 annual expenses in retirement, 4% withdrawal rate, and 7% return (3% inflation), you need about $578,665.29 saved by age 35 to stop contributing and still reach your FIRE target by 60 (25 years of compound growth).
Source: FinCalc server-rendered example using the same formulas as the interactive calculator.
Coast FIRE number
$578,665.29
FIRE target at retirement
$1,500,000
Gap to Coast FIRE
$328,665.29
Real return rate
3.88%
You are about $328,665.29 away from Coast FIRE. At your current annual savings, you may reach Coast FIRE in about 10 years.
If you have $578,665.29 saved by age 35, you can stop saving and still target retirement at age 60 under these assumptions.
| Age | Start | Growth | Contribution | End | FIRE? |
|---|---|---|---|---|---|
| 35 | $250,000 | $9,708.74 | $0 | $259,708.74 | — |
| 36 | $259,708.74 | $10,085.78 | $0 | $269,794.51 | — |
| 37 | $269,794.51 | $10,477.46 | $0 | $280,271.97 | — |
| 38 | $280,271.97 | $10,884.35 | $0 | $291,156.32 | — |
| 39 | $291,156.32 | $11,307.04 | $0 | $302,463.36 | — |
| 40 | $302,463.36 | $11,746.15 | $0 | $314,209.51 | — |
| 41 | $314,209.51 | $12,202.31 | $0 | $326,411.82 | — |
| 42 | $326,411.82 | $12,676.19 | $0 | $339,088.01 | — |
| 43 | $339,088.01 | $13,168.47 | $0 | $352,256.48 | — |
| 44 | $352,256.48 | $13,679.86 | $0 | $365,936.34 | — |
| 45 | $365,936.34 | $14,211.12 | $0 | $380,147.46 | — |
| 46 | $380,147.46 | $14,763.01 | $0 | $394,910.47 | — |
| 47 | $394,910.47 | $15,336.33 | $0 | $410,246.80 | — |
| 48 | $410,246.80 | $15,931.91 | $0 | $426,178.71 | — |
| 49 | $426,178.71 | $16,550.63 | $0 | $442,729.34 | — |
| 50 | $442,729.34 | $17,193.37 | $0 | $459,922.71 | — |
| 51 | $459,922.71 | $17,861.08 | $0 | $477,783.79 | — |
| 52 | $477,783.79 | $18,554.71 | $0 | $496,338.50 | — |
| 53 | $496,338.50 | $19,275.28 | $0 | $515,613.78 | — |
| 54 | $515,613.78 | $20,023.84 | $0 | $535,637.62 | — |
| 55 | $535,637.62 | $20,801.46 | $0 | $556,439.08 | — |
| 56 | $556,439.08 | $21,609.28 | $0 | $578,048.36 | — |
| 57 | $578,048.36 | $22,448.48 | $0 | $600,496.84 | — |
| 58 | $600,496.84 | $23,320.27 | $0 | $623,817.11 | — |
| 59 | $623,817.11 | $24,225.91 | $0 | $648,043.01 | — |
| 60 | $648,043.01 | $25,166.72 | $0 | $648,043.01 | — |
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