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Coast FIRE Calculator

Coast FIRE is the amount you need invested today so that — with no further contributions — compound growth alone takes your portfolio to your FIRE number by retirement.

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Current investments

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Results

⚠You need $50,494 more to reach Coast FIRE.

Coast FIRE Number

$140,494

needed today to reach $1,500,000 by age 65

FIRE number at retirement$1,500,000
Coast FIRE number today$140,494
Non-super investments$50,000
Super balance (included)$40,000
Current investable total$90,000
Gap to Coast FIRE$50,494

Growth milestones

Age 35 (+5 yrs)
Coast target: $197,051Your growth: $126,230
Age 40 (+10 yrs)
Coast target: $276,374Your growth: $177,044
Age 45 (+15 yrs)
Coast target: $387,629Your growth: $248,313
Age 50 (+20 yrs)
Coast target: $543,669Your growth: $348,272
Age 55 (+25 yrs)
Coast target: $762,524Your growth: $488,469
Age 60 (+30 yrs)
Coast target: $1,069,479Your growth: $685,103
Age 65 (+35 yrs)
Coast target: $1,500,000Your growth: $960,892

Assumes a constant real return rate with no market volatility. Coast FIRE does not mean you can stop working — it means you can stop saving aggressively and cover living expenses through earned income until retirement.

What is Coast FIRE?

Coast FIRE is one of the most liberating milestones in the FIRE journey. Once your investments reach the Coast FIRE number, compound growth alone will carry your portfolio to your full retirement target — with zero further contributions. You can stop the aggressive saving hustle and simply cover your day-to-day expenses through any work you enjoy.

The formula: Coast FIRE = FIRE number ÷ (1 + return)^years to retirement. The further you are from retirement, the smaller the Coast FIRE number — because compound growth has more time to do the heavy lifting.

Frequently asked questions

What is Coast FIRE?

Coast FIRE is the point at which you have invested enough money that — left alone with no further contributions — compound growth will grow it to your full FIRE number by your intended retirement age. You've 'coasted' to FIRE. Once you hit Coast FIRE, you only need to earn enough to cover your current living expenses, taking the pressure off aggressive saving.

How is the Coast FIRE number calculated?

Coast FIRE number = FIRE number ÷ (1 + r)^years to retirement. Where r is your expected annual return and years is the time between now and your planned retirement. For example, if you need $1,500,000 at retirement in 30 years at 7% return: Coast FIRE = $1,500,000 ÷ 1.07^30 = $197,000. You need $197,000 invested today and nothing more.

Does superannuation count toward Coast FIRE?

If your retirement age is 60 or older (the super preservation age), your super balance is included in the Coast FIRE calculation — it will be accessible when you need it. If your target retirement age is below 60, super is excluded because you can't access it to fund early retirement expenses. The calculator handles this automatically based on your retirement age.

What does Coast FIRE mean practically for my working life?

Once you reach Coast FIRE, you no longer need to save aggressively. You just need to earn enough to cover your current expenses — any job, even a lower-paying or less stressful one, suffices. You're financially free from the pressure of accumulation. Many people describe this as a profound mental shift even years before full FIRE.

What return rate should I use for Coast FIRE?

Use a conservative long-run real return (after inflation) to be safe. In Australia, diversified share portfolios have historically returned 7–8% nominal (5–6% real). For a 30+ year Coast FIRE horizon, using 7% nominal is reasonable. Using a lower rate (6%) gives a higher, more conservative Coast FIRE number, which means you can coast sooner than expected if returns are better.

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