Coast FIRE is the point where your existing investments are large enough to grow into your full financial-independence target by retirement age on their own — so you can stop adding new money and still reach your goal. You still need to cover your living expenses until retirement, but you no longer have to save for retirement itself.

How is the Coast FIRE number calculated?

Coast FIRE number = (annual retirement spending ÷ your safe withdrawal rate) ÷ (1 + real return)^years to retirement. The first part is your FIRE number; dividing by compound growth discounts it back to what you need invested today.

Is Coast FIRE the same as Barista FIRE?

They overlap. Coast FIRE means you've saved enough that compounding alone reaches your goal — you only need to cover current expenses. Barista FIRE usually means working part-time (often for benefits) to cover those expenses while your investments coast.

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Coast FIRE Calculator

Coast FIRE is the moment your investments are big enough to grow into your full retirement goal on their own — so you can stop saving for retirement and just cover today's bills. Enter your numbers to find your Coast FIRE number and see if you're already there. Nothing is sent to a server.

Current age

Target retirement age

Currently invested

Annual spending in retirement

Investment return % (nominal)

Inflation %

Withdrawal rate %

Currency

Your Coast FIRE number

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Want the full picture?

This tool uses the simple 4%-style rule. The complete FIRE Calculator adds real tax brackets in 43 countries, pensions, Monte Carlo stress-testing, healthcare, your whole life plan (home, kids, travel) and Coast / Barista / Lean / Fat FIRE — all free and private.

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What is Coast FIRE?

Coast FIRE means you've already invested enough that compound growth alone will carry you to your retirement goal — no further contributions needed. You still work to pay today's expenses, but every dollar you would have saved for retirement is now yours to spend, give, or invest elsewhere. It's the earliest of the FIRE milestones and, for many people, a huge psychological unlock: the hardest part (front-loading your savings) is done.

How the Coast FIRE number is calculated

Two steps. First, your FIRE number — the portfolio that sustains your spending — is your annual retirement spending divided by your safe withdrawal rate (the classic 4% rule means 25× spending). Second, we discount that target back to today using your real (after-inflation) return over the years until retirement:

Coast number = (annual spending ÷ withdrawal rate) ÷ (1 + real return)^years

If what you already have invested is at or above that number, you've reached Coast FIRE. Everything here is in today's money, because we use the inflation-adjusted return — so the figures stay meaningful decades out.

Coast FIRE vs Barista FIRE vs full FIRE

Coast FIRE — investments will reach the goal on their own; you only cover current expenses.
Barista FIRE — you take a lighter or part-time job (often for health benefits) to cover expenses while the portfolio coasts.
Full FIRE — the portfolio covers everything, including living expenses; work is fully optional.

The numbers here are a clean estimate. Taxes, pensions, market sequence risk and your real spending path all move the target — the full FIRE Calculator models them properly.

Related: How long will my money last? — see how many years your portfolio lasts once you're drawing it down.

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