Free Coast FIRE Calculator

Are you Coast FIRE yet?

Find your Coast FIRE number — the savings threshold where you can stop contributing and your portfolio will still reach your retirement goal on its own.

Your details

Current age

yrs

Target retirement age

yrs

Current invested savings

Annual retirement spending

Expected annual return

Withdrawal rate

Typically 4% (safe withdrawal rate)

Your Coast FIRE number

$161K

needed today to coast

Retirement nest egg target

$1.5M

at age 65

You need $85,852 more to reach Coast FIRE

Once you reach $161K, you can stop contributing and still retire at 65.

Your savings growth vs. Coast FIRE target

Both lines meet at retirement — if you're Coast FIRE, yours is already above

Your savings (no contributions)

Coast FIRE path to target

FIRE glossary

The FIRE spectrum, explained

Lean FIRE

Living on the bare minimum — typically $25–40K/yr. Maximum freedom, very little flexibility for surprises.

Coast FIRE

You have enough invested that, with no new contributions, it will grow to fund retirement. You only need to cover current expenses.

Barista FIRE

Partially retired. You work part-time or at a low-stress job for benefits and supplemental income while your portfolio coasts.

Fat FIRE

Retire with $3M+ and spend $100–150K/yr or more. Maintains or grows your lifestyle without major cutbacks.

What Coast FIRE doesn't tell you

Your full financial picture matters too

Coast FIRE is a milestone, not a finish line. What happens to your expenses between now and retirement? What if the market drops 40% in your 50s? What does your Social Security look like, and how does it change the math?

Abound's full planning tool lets you model multiple scenarios side by side — from "full Coast" to "one more year" — so you can see the real tradeoffs before you make a life-changing decision.

See your full 30-year plan

Coast FIRE is just one metric. Abound shows income, expenses, taxes, and savings compounding together — year by year.

No credit card needed.

Are you Coast FIRE yet?

The FIRE spectrum, explained

Your full financial picture matters too

See your full 30-year plan

Frequently asked questions