Coast FIRE Calculator
Find when you can stop saving · Updated 2026
What Is Coast FIRE?
Coast FIRE is the point where your existing investments are large enough that they will grow to your full FIRE number through compound interest alone — with zero additional contributions. You still need to work to cover your living expenses, but you can stop saving for retirement entirely.
The name comes from the idea that you can “coast” to retirement — your portfolio does the heavy lifting while you just need enough income to pay the bills. It’s an incredibly freeing milestone.
How Coast FIRE Is Calculated
The formula uses the time value of money: Coast Age = Current Age + ln(Target/Current Savings) / ln(1 + Return Rate). Your current savings grow at your expected return rate until they hit your FIRE target. The calculator finds when that happens.
For example, a 30-year-old with $100,000 invested, targeting $1,000,000 at 7% returns would hit Coast FIRE at approximately age 40 — meaning they could stop contributing entirely and still reach their goal by 63.
| Starting Balance | Coast FIRE Age (from 25) | Years to Coast |
|---|---|---|
| $50,000 | 42 | 17 years |
| $100,000 | 38 | 13 years |
| $200,000 | 34 | 9 years |
| $300,000 | 32 | 7 years |
| $500,000 | 28 | 3 years |
What Changes After Coast FIRE
Reaching Coast FIRE is a major psychological shift. You can:
1. Switch to a lower-paying but more fulfilling job — you only need to cover expenses, not maximize savings. 2. Go part-time or freelance — work less, live more. 3. Take a sabbatical — your portfolio grows while you travel or pursue passions. 4. Keep saving anyway — every extra dollar just brings full FIRE closer.
Frequently Asked Questions
How is coast fire calculator calculated?
The formula is: Coast age = current age + log(target/currentSavings)/log(1+return). Enter your values above and click Calculate to see your personalized result instantly. Coast FIRE means your existing savings will grow to your FIRE number through compound interest alone — no additional contributions needed. Once you hit your Coast FIRE number, you only need to cover…
What inputs do I need for the coast fire calculator?
You need: Current Age, Current Savings, Expenses, Expected Return, Withdrawal Rate. Default values are pre-filled — adjust them to match your personal finances for a customized result.
Is the coast fire calculator free to use?
Yes — all TorchFI calculators are completely free. No registration, no email required. Calculations run entirely in your browser for maximum privacy. We never see or store your financial data.
How does the coast fire calculator help with FIRE planning?
Discover at what age your existing investments will grow to your FIRE number through compound interest alone, with no additional contributions needed. Perfect for knowing when you can scale back on saving. This calculator helps you make data-driven decisions about your financial independence journey instead of relying on guesswork.