Coast FIRE Calculator
Coast FIRE = The portfolio value where you can stop saving and compound growth alone will fund your retirement.
Coast FIRE Formula
Coast FIRE Number = FIRE Number ÷ (1 + growth rate)^years
Coast FIRE Numbers by Age
Assuming:
- Target retirement age: 65
- FIRE number: $1,500,000 (for $60,000/year expenses)
- 7% real growth rate
| Current Age | Years to 65 | Coast FIRE Number |
|---|---|---|
| 25 | 40 years | $100,000 |
| 30 | 35 years | $140,000 |
| 35 | 30 years | $197,000 |
| 40 | 25 years | $276,000 |
| 45 | 20 years | $388,000 |
| 50 | 15 years | $544,000 |
| 55 | 10 years | $762,000 |
The earlier you start, the less you need.
Coast FIRE at Age 30
If you’re 30 years old with $140,000 invested, here’s what happens with no additional contributions:
| Age | Portfolio Value | Status |
|---|---|---|
| 30 | $140,000 | Coast FIRE achieved |
| 35 | $196,000 | Growing |
| 40 | $275,000 | Growing |
| 45 | $386,000 | Growing |
| 50 | $541,000 | Growing |
| 55 | $759,000 | Growing |
| 60 | $1,065,000 | Growing |
| 65 | $1,493,000 | Target reached |
At 7% real returns, no additional savings required
Coast FIRE Numbers by Target Amount
| Target at 65 | Age 25 | Age 30 | Age 35 | Age 40 |
|---|---|---|---|---|
| $1,000,000 | $67,000 | $93,000 | $131,000 | $184,000 |
| $1,250,000 | $83,000 | $117,000 | $164,000 | $230,000 |
| $1,500,000 | $100,000 | $140,000 | $197,000 | $276,000 |
| $1,750,000 | $117,000 | $163,000 | $230,000 | $322,000 |
| $2,000,000 | $133,000 | $187,000 | $263,000 | $368,000 |
How Coast FIRE Changes Your Options
Once you hit Coast FIRE, you can:
| Option | Description |
|---|---|
| Downshift career | Take a lower-paying, more enjoyable job |
| Work part-time | Cover expenses with 20-30 hours/week |
| Start a business | Less pressure since retirement is covered |
| Take a sabbatical | Extended time off without derailing retirement |
| Pursue education | Go back to school without financial stress |
| Geographic arbitrage | Move somewhere cheaper, work less |
Canadian Coast FIRE Advantages
Lower target numbers
- CPP at 65: ~$15,000/year (reduces target by $375,000)
- OAS at 65: ~$8,700/year (reduces target by $217,500)
- Combined: ~$593,000 less portfolio needed
Example with Canadian benefits
| Component | Amount |
|---|---|
| Portfolio needed (no CPP/OAS) | $1,500,000 |
| Minus CPP value | -$375,000 |
| Minus OAS value | -$217,500 |
| Adjusted FIRE number | $907,500 |
| Coast FIRE at 30 | $85,000 |
This assumes average CPP benefits. Your actual amount will vary based on contributions.
Reaching Coast FIRE in 10 Years
| Monthly Savings | 7% Returns | Coast FIRE Reached |
|---|---|---|
| $500/month | $86,000 | Low expenses |
| $1,000/month | $173,000 | Comfortable |
| $1,500/month | $259,000 | FIRE-focused |
| $2,000/month | $346,000 | Aggressive |