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Coast FIRE Horizon Calculator

Determine when your invested savings can compound to full retirement with $0 further contributions.

Coast Target
$289,222
For exit at age 60
Current Balance
$150,000
51.9% of coast goal
Surplus / Gap
-$139,222
Needed to coast
Earliest Coast Exit
Age 74
Full FI: $1,250,000

Parameters

Current age
Target retirement age
Invested liquid portfolio
$
Annual spending in retirement
$
Assumed real return
%
Safe withdrawal rate
%
Monthly new savings
$

Coast FIRE Retirement Horizon Matrix

The required portfolio balance today to reach full FI at various target exit ages with zero future contributions:

Exit AgeYears OutCoast TargetSurplus / (Gap)Status
Age 45 15 yrs$601,271($451,271)25%
Age 50 20 yrs$471,112($321,112)32%
Age 55 25 yrs$369,128($219,128)41%
Age 60 (★ Target)30 yrs$289,222($139,222)52%
Age 65 35 yrs$226,613($76,613)66%
Age 70 40 yrs$177,557($27,557)84%
At your current savings pace of $1,000/mo, you will reach Coast FIRE for Age 60 in approximately 6.2 years (Age 36).

How Coast FIRE Works

Coast FIRE means your existing investments will grow to cover your target annual living expenses by your desired retirement age via compound returns alone. Once achieved, you only need to earn enough to pay your current living expenses, meaning you no longer need to save for retirement.

Boundary constraint: Coast math assumes you never withdraw from principal early and that your real return holds over the entire time horizon.

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Illustrative only. Not financial advice. ExitYear is a private, client-side financial projection engine licensed strictly for personal, non-commercial use. Commercial use and financial advisor client engagements are strictly prohibited under our Terms of Service. Projections are deterministic mathematical simulations based solely on user assumptions, use simplified tax heuristics, and omit market volatility, sequence of returns risk, and individualized circumstances. Some links may be sponsored affiliate recommendations where we earn a commission at no additional cost to you. Do not use ExitYear to make financial decisions. Consult a qualified, licensed professional.