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Coast FIRE

Coast FIRE is the level of current assets that — even with zero new contributions — will grow to your retirement target by the time you retire, assuming a steady investment return. You still need income to cover living expenses until retirement, but the retirement savings job is done.

Inputs
Results
Coast FIRE number (stop contributing today and still reach target)
NT$2.72M
Retirement target NT$15M ÷ (1 + 5%)^35 yrs
Progress18.4%
Current assets
NT$500K
Gap to Coast FIRE
NT$2.22M
Projection at current contribution
Contributing NT$20K/month, Coast FIRE is reached in about 7.0 years (around age 37). Contributions can then stop and compounding alone covers the rest.

Formula: Coast FIRE number = required retirement assets ÷ (1 + annual return)^remaining years. Required retirement assets = annual expense ÷ withdrawal rate. Outputs are math estimates only and do not constitute guarantees or retirement advice.

Formula: Coast FIRE number = retirement target ÷ (1 + expected return)^years until retirement.

Related: FIRE variants explained — Lean, Fat, Barista, Coast FIRE differences.

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