Tools
Coast FIRE calculator
Coast FIRE discounts your FIRE number by a real return over the years until you stop working. If your portfolio is already there, new contributions are optional under that assumption. You may still need income to live.
Arc · Published September 18, 2026 · Updated September 18, 2026
Assumptions
- Coasting means contributions can stop, not that work can stop.
- A lower return raises the coast number.
Coast number
$753,779
Current portfolio is short of this coast number.
FIRE number
$2,000,000
Coast number = FIRE number ÷ (1 + real return) ^ years
Keep going
Related reading
Coast FIRE explained
Coast FIRE is the portfolio that can grow to your FIRE number without new contributions.
Related reading
What is a FIRE number?
A FIRE number is annual spending divided by the withdrawal rate you are willing to use.
Related reading
Investment returns and planning
A planning return is an assumption. Historical averages are context, not a contract.
Tools
FIRE number calculator
Divide annual spending by a withdrawal rate to get a portfolio target.
Tools
Years to FI calculator
Estimate how long invested assets and contributions take to reach a FIRE number.
Tools
Compound growth calculator
Project a balance from a starting value, an annual contribution, and a real return.
Playbooks
Raise your savings rate
A general way to lift the share of income you keep, without a personality transplant.
Educational estimate only. Not tax, legal, or investment advice, and not a prediction of what your accounts will do. Methodology