Calcufast

Coast FIRE: $40k expenses, age 30→60 → ~$231,377

How much you need invested today so compound growth alone hits your FIRE number by a target age, with $0 new contributions.

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Coast FIRE number today

$231,377.45

FIRE number at target age

$1,000,000.00

Years of compounding

30

Educational estimate, not advice. Coast FIRE = FIRE number ÷ (1 + real return)^years, with $0 new contributions. It does not model sequence risk, taxes, fees, job changes, or inflation surprises. Bengen / Trinity / 4% are educational cites; PDFs are not on this site (NEED-SOURCE).

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Coast FIRE calculator

Coast FIRE is the amount you need today so that, with $0 new contributions, compound growth reaches your FIRE number by a target age.

Coast number

Coast = FIRE number ÷ (1 + real return)^years

years = target age − current age FIRE number = annual expenses ÷ SWR

Default lock

Expenses $40,000, SWR 4% → FIRE $1,000,000. Age 30 → 60 (30 years) at 5% real → $231,377.45 today, because $1,000,000 ÷ (1.05)^30.

What it does not cover

You still have to pay living costs until the target age. Coasting is “stop contributing,” not “stop working” unless spending is already covered another way. No sequence risk, taxes, or fees.

Not financial advice

Educational discounting only. 4% / Bengen / Trinity are teaching cites (NEED-SOURCE — PDFs not on this site).

Same series

Because the money still compounds for decades. At 5% real for 30 years, about $231k grows to $1M if the assumption holds.

Then years = 0 and Coast equals the full FIRE number.

No. Coast FIRE is defined here as zero new contributions.