Coast FIRE Calculator
Find the point where your current investments alone will reach your retirement target with zero further contributions.
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Compound Interest Calculator
Example 1 โ Lump sum, no contributions
A = 1,00,000 ร (1.10)^10 โ โน2,59,374 โ more than 2.5ร growth
๐ What is the Coast FIRE Calculator?
Coast FIRE is the point where your current investments, with zero further contributions, will still compound to your full retirement target by your planned retirement age. Reaching it does not mean you must stop working โ many people use it as the green light to switch to lower-stress or lower-paying work without sacrificing their eventual retirement security.
โ๏ธ How Coast FIRE is calculated
How this differs from a standard FIRE number
A standard FIRE calculation assumes you keep contributing until retirement. Coast FIRE specifically asks whether your existing portfolio alone, given enough years left to compound, reaches the target โ contributions become optional from that point forward.
The "Coast FIRE number today"
This calculator also shows the portfolio value needed right now to coast to your target โ a useful benchmark even if you have not reached it yet, since it tells you exactly how much further compounding alone needs to close the gap.
Why years remaining matters as much as portfolio size
A smaller portfolio with many years left to compound can reach Coast FIRE before a larger portfolio with few years remaining โ time, not just capital, is doing real work in this calculation.
Projected value at retirement
Projected = current portfolio ร (1 + return)^years to retirement
๐งฎ Worked examples
Example โ already at Coast FIRE
โน30,00,000 portfolio, 20 years to retirement, 11% expected return, target of โน2,00,00,000.
โ Projected value at retirement โโน2.42 crore โ exceeds the target, meaning Coast FIRE has already been reached
Using the Coast FIRE number today
Same 20-year horizon and target.
โ The portfolio needed today to coast to the target is โโน24.8 lakh โ since the actual portfolio (โน30L) exceeds this, the result confirms Coast FIRE status
๐ก Original insights & how to use this calculator
Deciding whether to switch to lower-stress work
If you have reached Coast FIRE, taking a lower-paying or less stressful job no longer jeopardises your eventual retirement target, since existing investments alone will get you there.
Knowing exactly how much more you need if you have not reached it
The shortfall figure shows precisely how much additional portfolio value (today) would close the gap, which is more actionable than knowing only the eventual retirement target.
Revisiting the calculation as circumstances change
Re-run this whenever your portfolio value, expected return assumption, or retirement timeline changes meaningfully, since all three directly affect whether Coast FIRE status holds.
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๐ก Expert tips
Reaching Coast FIRE doesn't mean you have to stop working โ many people use it to justify switching to lower-stress or lower-paying work.
Re-run this calculator whenever your portfolio value or retirement timeline changes meaningfully.
โ Common questions
What is Coast FIRE?
The point where your existing investments, left untouched, will grow to your full retirement target by your planned retirement age purely from compounding.
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