Coast FIRE Calculator
Coast FIRE

Have You Hit Coast FIRE Yet?

Coast FIRE is the point where your existing investments will grow to cover retirement on their own — even if you never invest another dollar. Find out your number.

About You
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Assumptions
4%8%12%
1%3.5%6%
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2.5%3.75%5%
Expected Retirement Income
Guaranteed income sources reduce how much your portfolio needs to cover. Enter estimated annual amounts in today's dollars.
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💡 Tip: Check your Social Security estimate at ssa.gov/myaccount. If you're unsure, the average benefit is roughly $22,000–$24,000/year in today's dollars.
Coast FIRE Number
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What you need today to coast
Full FIRE Number
$0
Portfolio needed at retirement
Your Gap / Surplus
$0
Years Until Coast
—
At your current savings rate

Projected Growth

How your investments grow over time
With contributions
Coast (no more contributions)
FIRE target

What Does This Mean?

Projections assume consistent returns and inflation, which do not reflect real market volatility. This is for educational purposes only — not financial advice. Consult a financial professional for personalized planning.