Calculate Your Coast FIRE Number
Your Coast FIRE Results
Amount needed today to stop saving for retirement:
Enter your details and click Calculate to see your Coast FIRE number.
What Is Coast FIRE?
Coast FIRE (Financial Independence, Retire Early) is a strategy where you save aggressively early in life until you've accumulated enough that your investments will grow to support your retirement, even if you stop contributing today.
Once you reach your Coast FIRE number, you no longer need to save for retirement. Instead, you can choose a less stressful career, take a sabbatical, switch to part-time work, or pursue passion projects — knowing that your financial future is secure.
How to Use the Coast FIRE Calculator
Using the Coast FIRE Calculator on BudgetPlanner.co is simple and fast. Here's how it works:
- Enter your current age and the age you plan to retire.
- Input your current savings and the annual spending you expect during retirement (in today's dollars).
- Adjust the annual investment return rate and inflation rate to match your long-term financial outlook.
- Click Calculate to instantly see your Coast FIRE number — the amount of money you need today to stop saving for retirement.
This tool is ideal for those seeking clarity and control over their financial independence journey.
Why Choose BudgetPlanner.co's Coast FIRE Calculator?
While other tools like the Walletburst Coast FIRE Calculator or Portseido FIRE tools are popular, BudgetPlanner offers distinct advantages:
- Clean, mobile-friendly user interface
- Flexible assumptions for returns, retirement age, and inflation
- No sign-up or data tracking
- Works seamlessly across devices
- Accurate results trusted by users researching coast fire calculator Reddit or looking for a reliable fire number calculator
Frequently Asked Questions
To calculate your Coast FIRE number, estimate your future FIRE number and determine how much you need today to let compounding grow that amount without further savings. The formula is:
Coast FIRE Number = FIRE Number / (1 + annual return rate) ^ years left until retirement
Use our calculator to handle this instantly.
"Coasting FIRE" is another name for Coast FIRE. Enter your retirement target age, current savings, and expected return in the Coast FIRE calculator to get your number.
This term is often used interchangeably with Coast FIRE. You calculate how much you need today so your investments grow into your FIRE number by retirement without additional contributions.
Use this formula:
FIRE Number = Annual Expenses × 25
Then apply inflation adjustments to estimate how much you'll need in future dollars. Our calculator includes inflation-based projections.
Use the 25x rule:
FIRE Number = Expected Annual Retirement Spending × 25
This assumes a 4% safe withdrawal rate.