Coast FIRE Calculator
This Coast FIRE calculator shows whether your current retirement savings, left alone to compound with no further contributions, would grow into your full retirement number by the time you retire. Enter your numbers to see your Coast FIRE target and whether you've already reached it.
Your age today.
When you plan to fully retire and start drawing down.
Everything you've saved toward retirement so far.
A long-run average, after inflation or before — be consistent with how your target below is expressed.
What you need saved by retirement age — use the FIRE Number Calculator if you're not sure.
Coast FIRE number (today)
सेव करने के लिए लॉग इन करें₹14,04,944
How much you'd need saved right now for compounding alone to reach your target by retirement age.
Positive means you've already hit Coast FIRE; negative shows how much more you'd need to get there.
Frequently asked questions
What's the difference between Coast FIRE and regular FIRE?+
Regular FIRE means you've saved enough to retire and live off withdrawals immediately. Coast FIRE means you've saved enough that, left to compound alone with no more contributions, you'd reach your full retirement number by a normal retirement age — you'd still need income to cover living expenses until then.
Should I use a real (inflation-adjusted) or nominal return rate?+
Be consistent — if your target retirement savings figure is in today's dollars, use a real (inflation-adjusted) return, commonly 4-6%. If your target is in future, inflated dollars, use a nominal return, commonly 7-10%.
Does hitting Coast FIRE mean I should stop contributing?+
Not necessarily — it's a milestone, not a mandate. Many people keep contributing after reaching Coast FIRE to retire earlier than their original target age, or to build a larger cushion than their minimum number.