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Coast FIRE Calculator

Coast FIRE is the point where your current portfolio can grow to your FIRE number by retirement age, even if you stop contributing.

What is Coast FIRE?

Coast FIRE means you have already invested enough for compound interest to do the heavy lifting. You may still work, but the pressure to save aggressively drops.

Em português: é o ponto em que o teu capital atual, deixado a crescer, pode chegar ao teu número FIRE no futuro.

Coast FIRE formula

A simplified formula is: Coast FIRE = FIRE Number / (1 + expected annual return) ^ years until retirement.

The result depends heavily on age, expected return, inflation and how conservative you want to be.

Why it matters

Coast FIRE is psychologically powerful because it rewards progress before full independence. It can justify career changes, reduced hours or a slower path without losing the long-term goal.

FAQ

Is Coast FIRE the same as FIRE?

No. FIRE means you can fund expenses now. Coast FIRE means your current capital may grow enough by a future date.

Do I stop investing after Coast FIRE?

Not necessarily. Many people keep investing, but Coast FIRE shows pressure has decreased.

What return should I use?

Use a conservative real or nominal return aligned with your country and asset mix.

Does inflation matter?

Yes. Inflation affects future expenses and should be considered.

Can I calculate this without registration?

Yes. The free calculator gives the first step; the dashboard gives the full path.

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