To calculate Coast FIRE, you determine how much you need to invest today so that, without any additional contributions, your money will grow enough to cover retirement by your target age. The Coast FIRE Calculator simplifies this by factoring in your current savings, expected annual return, retirement age, and desired retirement amount.

It depends on your age, retirement goals, and expected investment returns. For some, $500k might be more than enough to coast to retirement, while others may need more. Use a Coast FIRE Calculator to input your personal numbers and see if $500k aligns with your financial independence goals.

The Coast FIRE method is a financial independence strategy where you save and invest enough early on so that your retirement fund can grow on its own without additional contributions. Once you reach that point, you can “coast” to retirement by covering only your current living expenses through work or other income.

The amount needed to reach Coast FIRE varies based on your target retirement amount, age, and expected investment returns. A Coast FIRE Calculator helps you quickly find your Coast FIRE number by analyzing your unique financial situation.

To calculate your Coast FIRE number, estimate the amount you need at retirement, then work backwards to find how much you need to invest today so it grows to that goal without adding more. You’ll factor in your current age, target retirement age, expected rate of return, and inflation if needed. The easiest way to do this is with a Coast FIRE Calculator, which automates the math and shows you exactly how much you need to “coast” into financial independence.

A Coast FIRE Calculator helps you figure out how much money you need to invest now so your savings can grow on their own—without any future contributions—until you reach retirement. It takes the guesswork out of long-term planning by showing you the exact amount needed to “coast” to financial independence. Whether you’re planning to scale back work, pursue passion projects, or just want peace of mind, this tool gives you a clear financial snapshot of your early retirement path.

The amount of money needed for Coast FIRE depends on your age, desired retirement age, expected annual return, and how much you want in retirement. Typically, it’s less than full FIRE since you’re only saving enough now to let compound interest do the rest. A Coast FIRE Calculator can help you determine your personalized number by crunching these variables and giving you a clear savings target based on your financial goals.