Retirement Calculators
Coast FIRE Calculator
Find the balance you would need today for compounding alone to reach your retirement target without further contributions.
Coast number today
$140,804
- Retirement target
- $1,125,000
- Gap to coasting
- $50,804
- Status
- Keep contributing
How this calculator works
Coast number = target ÷ (1 + r)^n
- target
- annual spending divided by the safe withdrawal rate
- n
- years until retirement
Example calculation
Illustrative example — not advice
Worked example — the coast fire calculator as it loads, using the default figures below.
- 01Enter current age: 32.
- 02Enter retirement age: 65.
- 03Enter annual spending in retirement: $45,000.
- 04Enter safe withdrawal rate: 4%.
- 05Enter expected annual return: 6.5%.
- 06Enter currently invested: $90,000.
- 07Read the coast number today from the results panel: $140,804.
Coast number today: $140,804. Retirement target: $1,125,000. Gap to coasting: $50,804. Status: Keep contributing.
These figures come straight from the calculator above running on the values listed, so you can retype them and confirm every number yourself. Change any input and the results update immediately. Illustrative only — not a quote, offer or recommendation.
Important considerations
- Coasting assumes you can still cover living costs without saving more.
- A lower return assumption raises the coast number sharply.
Related calculators
- FIRE CalculatorYour FIRE number and years to reach it.
- Retirement CalculatorProject your retirement balance and the income it could sustain.
- Investment CalculatorProjected value of contributions and returns over time.
- Savings Rate CalculatorYour true savings rate and what it buys.
- 401(k) CalculatorWorkplace plan balance including employer contributions.
- IRA CalculatorTraditional IRA balance at retirement.
Terms used here
Frequently asked questions
What does reaching coast FIRE mean in practice?
You could stop contributing and still expect to hit the target, which usually buys flexibility rather than immediate retirement.
Disclaimer
Legamoney calculators are educational tools. Results are estimates based on the figures you enter and do not constitute financial, tax or legal advice.
Last reviewed 2026-08-01