Coast FIRE Calculator
In short: You have reached Coast FIRE when your current investments, with no further contributions, will compound into your full FIRE number by your target retirement age. After that point you only need to cover today's living costs — your retirement is already funded by time and compounding.
Source: IRS Notice 2025-67 (IR-2025-111). Data as of 2026 tax year.
These are estimates for general information, not financial advice. Verify figures with the IRS and a qualified professional before acting.
How it works
Coast FIRE is the point where your existing investments, left to compound until retirement age, will reach your FIRE number on their own. Enter your age, target retirement age, current savings and return to see your Coast-FIRE target and whether you have hit it. The result updates as you type and nothing leaves your device — every figure is computed in your browser.
2026 IRS limits used here
Source: IRS Notice 2025-67 (IR-2025-111). Announced November 2025; effective for the 2026 tax year. Data as of the 2026 tax year.
| 2026 limit | Amount |
|---|---|
| 401(k)/403(b)/457/TSP elective deferral | $24,500 |
| 401(k) catch-up (age 50+) | $8,000 (total $32,500) |
| 401(k) catch-up (ages 60–63) | $11,250 (total $35,750) |
| Combined employee + employer (415(c)) | $72,000 |
| IRA contribution (Roth or Traditional) | $7,500 |
| IRA catch-up (age 50+) | $1,100 (total $8,600) |
| Roth IRA phase-out — single | $153,000–$168,000 |
| Roth IRA phase-out — married filing jointly | $242,000–$252,000 |
Frequently asked questions
What is the difference between Coast FIRE and full FIRE?
Full FIRE means your portfolio is already large enough to fund your spending today. Coast FIRE means your portfolio is not big enough yet, but it will grow into your FIRE number by retirement age without any new contributions — so you only need to earn enough to cover current expenses.
How do I calculate my Coast FIRE number?
Discount your FIRE number back to today using your expected return and the years until retirement: Coast number = FIRE number ÷ (1 + return)^years. If your current savings exceed that figure, you are coasting.
Can I stop investing once I hit Coast FIRE?
You can stop adding new money and still reach your target on schedule, but only if your real return and retirement date hold. Many people keep contributing to build a margin of safety or to retire earlier.
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Last updated: 2026-06-14