Coast FIRE calculator
Find the amount you need invested today so growth alone covers retirement. After that, you only need to cover your living costs.
Coast FIRE number today
You need $81,290 more invested today. After that, you only need to cover your living costs until 65.
All figures in today's dollars, using a real return.
How this calculator works
Coast FIRE works backward from retirement: it finds the amount that, left to grow without new deposits, reaches your retirement target on time.
If you already have that much, you can stop saving for retirement and only earn enough to cover today's bills.
Coast number = (retirement spending ÷ withdrawal rate) ÷ (1 + real return)^(years to retirement)Common questions
What happens after Coast FIRE?
Many people take lower-stress work, go part-time or take a break, while their investments finish the job.
Is Coast FIRE risky?
It relies on average returns. A weak decade can delay it, so many keep saving a little anyway.
Why use a real return?
It keeps everything in today's dollars, so the spending figure matches today's prices.
FatDCA calculators are educational estimates, not investment, tax or legal advice. Results depend on the assumptions you enter, and past returns do not predict future returns.
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