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Financial independence

Coast FIRE Calculator

Estimate whether current investments can grow to a future target without additional contributions.

Assumptions

Coast FIRE is highly sensitive to return and years. A one-point return change can materially change the amount needed today.

Example

If the retirement target is 1,000,000 in 25 years and the expected return is 5%, the amount needed today is about 295,303 before inflation, taxes and fees.

What the result means

If current investments are above the needed-today amount, the estimate suggests they could reach the target without more contributions. If they are below it, the gap shows how much more would be needed under the same assumptions.

Limitations

Returns are not guaranteed. The estimate does not model inflation changes, taxes, fees, market volatility, sequence risk or changes in retirement spending.

Last reviewed: 2026-05-17

Before relying on this result

Use this calculator together with the formula, assumptions, limitations and examples on the page. If the topic involves health, tax, lending, investment, legal, safety or current-rate decisions, treat the number as an estimate and check the relevant primary source or professional guidance.

Calculator metadata last reviewed: 2026-05-14.