- FIRE number
- $1,000,000
- Projected at 65
- $920,492
- Gap to coast
- $6,910
Year-by-year projection
| Year | Projected balance |
|---|---|
| 1 | $85,783 |
| 2 | $91,984 |
| 3 | $98,634 |
| 4 | $105,764 |
| 5 | $113,410 |
| 6 | $121,608 |
| 7 | $130,400 |
| 8 | $139,826 |
| 9 | $149,934 |
| 10 | $160,773 |
| 11 | $172,395 |
| 12 | $184,858 |
| 13 | $198,221 |
| 14 | $212,550 |
| 15 | $227,916 |
| 16 | $244,392 |
| 17 | $262,059 |
| 18 | $281,003 |
| 19 | $301,317 |
| 20 | $323,099 |
| 21 | $346,456 |
| 22 | $371,501 |
| 23 | $398,357 |
| 24 | $427,154 |
| 25 | $458,033 |
| 26 | $491,145 |
| 27 | $526,650 |
| 28 | $564,721 |
| 29 | $605,545 |
| 30 | $649,320 |
| 31 | $696,259 |
| 32 | $746,592 |
| 33 | $800,563 |
| 34 | $858,436 |
| 35 | $920,492 |
Saved results
Pin scenarios to compare them side by side. Stored only in this browser.
How this is calculated
First, the FIRE number is annual_spending / (withdrawal_rate / 100), same as the retirement calculator. Then, working backward with monthly compounding over the months remaining until your target retirement age, the Coast FIRE number isFIRE_number / (1 + monthly_rate) ^ months_remaining. That is the balance that, with zero further contributions, grows on its own into your FIRE number by retirement. Your current savings are compared against that figure. The chart projects your current savings forward at the given rate with no further contributions.
FAQ
What is Coast FIRE?
Coast FIRE is the point at which you've saved enough that, left untouched to grow through compound interest alone (no further contributions), your investments will reach your full retirement (FIRE) number by your target retirement age. Past this point you could stop contributing to retirement savings entirely and still get there.
How is this different from the FIRE calculator?
The FIRE/retirement calculator on this site tells you how many years it takes to reach your number while contributing monthly. This one works backward from your target retirement age to answer a different question: what balance do I need right now, assuming zero future contributions, for growth alone to close the gap?
What happens if my current savings are below my Coast FIRE number?
It means you still need to keep contributing (or increase your expected return, or push back your retirement age) to reach your FIRE number on time. The gap shown is not a shortfall in your final retirement number. It's specifically the amount missing to "coast" the rest of the way on growth alone.
Embed this calculator
Free to embed on your own site . Copy this snippet:
Common starting points
Worked examples by age, with the calculator pre-filled. Pick the closest and adjust:
Related tools
Informational tool only. Not financial advice. See our disclaimer.