Coast FIRE Calculator - Financial Independence Calculator & Coast FIRE Number Calculator
Free Coast FIRE calculator & financial independence calculator. Calculate your Coast FIRE number, monthly contributions, and retirement planning strategy. Our calculator uses compound interest principles to determine how much you need to save to reach financial independence by retirement age.
Last updated: October 19, 2025
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Year-by-Year Progress
| Year | Age | Contributions | Growth | Total |
|---|---|---|---|---|
| 0 | 30 | $0 | $3,500 | $53,500 |
| 1 | 31 | $3,106 | $3,745 | $60,351 |
| 2 | 32 | $3,106 | $4,225 | $67,682 |
| 3 | 33 | $3,106 | $4,738 | $75,525 |
| 4 | 34 | $3,106 | $5,287 | $83,918 |
| 5 | 35 | $3,106 | $5,874 | $92,898 |
| 6 | 36 | $3,106 | $6,503 | $102,507 |
| 7 | 37 | $3,106 | $7,175 | $112,789 |
| 8 | 38 | $3,106 | $7,895 | $123,790 |
| 9 | 39 | $3,106 | $8,665 | $135,561 |
| ... and 26 more years | ||||
Coast FIRE Strategy
You need $259/month to reach Coast FIRE in 35 years. After that, you can stop contributing and let compound interest work.
4% Rule
Your Coast FIRE number of $1,000,000 is based on the 4% rule:$40,000 × 25 = $1,000,000.
Compound Growth
With 7.0% annual returns, your money will grow from $50,000 to $1,000,000 by retirement.
Total Contributions
You'll contribute $108,710 total over 35 years to reach Coast FIRE status.
Coast FIRE Calculator Types & Features
FIRE strategy
Coast FIRE Planning
Comprehensive financial independence planning and analysis
4% rule calculation
Annual Expenses × 25
Uses the 4% rule to determine your Coast FIRE target
FIRE strategies
Lean, Regular, Fat FIRE
Compare different FIRE strategies and approaches
Retirement planning
Age-based Strategy
Age-specific retirement planning and savings strategies
Strategy planning
Personalized Approach
Customized Coast FIRE strategies based on your situation
Savings calculation
Monthly Contributions
Determines required monthly savings for Coast FIRE
Quick Example Result
For a 30-year-old with $50,000 savings, $40,000 annual expenses, 7% returns, retiring at 65:
Coast FIRE Number
$1,000,000
Monthly Contribution
$1,200
How Our Coast FIRE Calculator Works
Our Coast FIRE calculator uses the 4% rule and compound interest calculations to determine your financial independence number. The calculation applies financial planning principles to determine how much you need to save to reach Coast FIRE status by your target retirement age.
The Coast FIRE Formula
Coast FIRE Number = Annual Expenses × 25Based on the 4% rule: you can withdraw 4% annually from your portfolio in retirement
Shows the path from current savings to Coast FIRE number
Coast FIRE Strategy
Coast FIRE is a financial independence strategy where you save enough money early in life so that, without additional contributions, your investments will grow to your full FIRE number by traditional retirement age. This allows you to "coast" to financial independence.
- Calculate your annual expenses in retirement
- Multiply by 25 to get your Coast FIRE number (4% rule)
- Determine how much you need to save monthly to reach this number
- Once reached, you can stop saving and let compound interest work
- Your investments will grow to full FIRE number by retirement age
- Allows for career flexibility and reduced financial pressure
Sources & References
- Your Money or Your Life - Vicki Robin and Joe DominguezFoundational FIRE movement principles and strategies
- The 4% Rule - Trinity Study (1998)Safe withdrawal rate research for retirement planning
- r/financialindependence - FIRE Community ResourcesCommunity-driven FIRE strategies and Coast FIRE discussions
Need help with other retirement planning? Check out our retirement ROI calculator and investment growth simulator.
Get Custom Calculator for Your PlatformCoast FIRE Calculator Examples
Coast FIRE Parameters:
- Current Age: 30 years
- Retirement Age: 65 years
- Current Savings: $50,000
- Annual Expenses: $40,000
- Expected Return: 7%
Calculation Steps:
- Coast FIRE Number: $40,000 × 25 = $1,000,000
- Years to retirement: 65 - 30 = 35 years
- Future value of current savings: $50,000 × (1.07)^35 = $533,829
- Required additional savings: $1,000,000 - $533,829 = $466,171
- Monthly contribution needed: $1,200
Result: Coast FIRE Number = $1,000,000, Monthly Contribution = $1,200
Save $1,200/month for 35 years to reach Coast FIRE, then let compound interest work.
Early Coast FIRE Example
25-year-old, $20,000 savings, $30,000 expenses, 8% returns
Coast FIRE: $750,000, Monthly: $800
Late Start Coast FIRE Example
40-year-old, $100,000 savings, $50,000 expenses, 6% returns
Coast FIRE: $1,250,000, Monthly: $2,500
Frequently Asked Questions
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