Coast FIRE Calculator

Find the month you can stop saving for retirement and let compound growth carry you the rest of the way.

Free · No sign-up · Your numbers stay in your browser

Your coast age39

Your coast age

You can coast at 39

That's 7 years 7 months from now, at age 39. Keep saving $1,500 a month until then, and growth alone takes you to $1,000,000 by 60.

FIRE number$1,000,000$40,000 a year at 4%

Coast number today$300,277Enough now means you can stop saving

Invested today$185,00062% of the wayof today's coast number

Odds of success50%of 1,000 simulated markets

Estimates based on your assumptions, in today's money. Educational only, not financial advice.

Your portfolio reaches $1M by 60

Your portfolioNeeded to coast

Age

What if…

Save $250 more a monthCoast in 6 yr 4 mo

1 yr 3 mo sooner

Retire at 62 instead of 60Coast in 5 yr 9 mo

1 yr 10 mo sooner

Returns 1 point lower (6%)Coast in 14 yr 6 mo

6 yr 11 mo later

Pay 0.5% a year in feesCoast in 10 yr 8 mo

3 yr 1 mo later

Stopping right at the coast line reaches $1M in 50% of simulated markets. Saving 3 years longer lifts that to 57%.

Your numbers

Monthly contribution$1,500

Age now, retiring at: 32 → 60
Invested today: $185,000
Yearly spending in retirement: $40,000
Return, inflation, withdrawal: 7% · 2.5% · 4%
Fees, yearly contribution raise: 0% · 0%

You

Current age

Retirement age

Money

Invested today

Monthly contribution

Raise contributions each year

On top of inflation, e.g. as your pay grows.

Yearly spending in retirement

In today's money. Leave out pensions you expect, such as Social Security or CPP.

Expected return, before inflation

Investment fees

Fund and advisor fees per year. Index funds often charge about 0.2%.

Inflation

Safe withdrawal rate

Real return used: 4.39% a year after inflation and fees.

How this Coast FIRE calculator works

Coast FIRE means you already have enough invested that, without adding another dollar, growth alone will reach your FIRE number by retirement. From then on, your paycheck only has to cover today's bills.

FIRE number = yearly spending ÷ withdrawal rate

Real return = (1 + return − fees) ÷ (1 + inflation) − 1

Coast number = FIRE number ÷ (1 + real return)^{years to retirement}

Coast date = the first month your portfolio reaches the coast number for that point in time

Example: spending $40,000 a year at a 4% withdrawal rate gives a $1,000,000 FIRE number. With 7% returns and 2.5% inflation (4.39% real), a 32-year-old retiring at 60 needs $300,277 invested today to coast.

New to the idea? Read what is Coast FIRE, or see every formula and assumption on our methodology page.

More FIRE calculators

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Questions

What is Coast FIRE?

Having enough invested that growth alone reaches your FIRE number by retirement age. You keep working to pay for today, but you no longer need to save for later.

What return should I use?

We default to 7% before inflation. Use a lower number if more of your money is in bonds or cash, and check how the result changes with the what-if rows.

Is the 4% rule safe for an early retirement?

It comes from studies of 30-year retirements. Many planners use 3–3.5% for longer ones. Change the withdrawal rate under Assumptions to see the effect.

Does it include Social Security or CPP?

Not directly. Lower your yearly spending by the pension you expect, in today's money.

How are the odds of success calculated?

We simulate 1,000 possible markets with yearly swings of about 15% around your expected return, and count how many reach your FIRE number by your retirement age.