Estimate Your Coast FIRE Number
See how much you may need invested today so your money can continue growing toward retirement without additional contributions.
4%
Safe Withdrawal Rate
7%
Avg. Market Return
25x
Annual Expenses Rule
Historical stock market average: 7-10%
Historical average: 2-3%
Traditional FIRE uses 4%
Your Coast FIRE Number
$329,443
This is the amount you need invested today to reach your retirement goal without any additional contributions.
Retirement Portfolio Target
$3,517,328
Projected at Retirement
$575,308
Years Until Retirement
35 years
Years to Coast FIRE
N/A
Inflation-Adjusted Spending
$140,693/year
Your $50000/year spending today will be equivalent to this amount at retirement due to inflation.
Current Status
-$279,443
Amount needed to reach your Coast FIRE number today.
Your Path Forward
Here are some strategies to help you reach your Coast FIRE goal faster.
Consistent Contributions Matter
Regular monthly investments, even small amounts, can significantly accelerate your path to Coast FIRE through compound growth.
Reduce Expenses
Lowering your expected retirement spending reduces your Coast FIRE target, making it easier to achieve.
Track Your Progress
Use Budgety to monitor your spending and savings rate. Small improvements in savings can make a big difference over time.
Track your finances with Budgety
Reaching Coast FIRE requires consistent tracking and smart money habits. Budgety helps you monitor spending, improve savings, and stay on track toward financial independence.
Track Spending
See where your money goes and find opportunities to save more.
Monitor Cash Flow
Understand your income and expenses to maximize savings rate.
Plan Long-Term
Set and track financial goals on your journey to FIRE.
Understanding Coast FIRE
Everything you need to know about financial independence and the Coast FIRE strategy.
Coast FIRE (Financial Independence, Retire Early) is a milestone where you have enough invested that compound growth alone will fund your retirement - without any additional contributions.
Once you reach your Coast FIRE number, you only need to cover current expenses. Your investments will grow to your target retirement amount on their own.
Traditional FIRE means having enough invested to cover all expenses immediately through withdrawals (typically 25x annual spending).
Coast FIRE is a stepping stone - you still need to work for current expenses, but you no longer need to save for retirement. It's less restrictive and often more achievable.
Compound growth means your investment returns generate their own returns. Over long periods, this creates exponential growth - time is your greatest asset.
At a 7% annual return, investments roughly double every 10 years. Starting earlier dramatically reduces how much you need to save.
The 4% rule suggests you can withdraw 4% of your portfolio annually with high confidence of not running out of money over 30 years.
This means you need about 25x your annual expenses saved. More conservative approaches use 3-3.5%, while others argue 4.5-5% may be safe.
Your spending level directly determines your FIRE targets. Reducing annual expenses by $10,000 could lower your required portfolio by $250,000 (at a 4% withdrawal rate).
Tracking expenses helps you understand your true cost of living, identify areas to optimize, and accurately project retirement needs. Tools like Budgety make this automatic and painless.
Frequently Asked Questions
Everything you need to know about Coast FIRE and financial independence.
More Financial Tools
Explore our other calculators to take control of your finances.