Coast FIRE means your current investments may grow enough to fund a future retirement target without further contributions.

Is this exact retirement planning?

No. It is a simplified educational model and does not include taxes, fees, healthcare or market volatility.

FIRE gap calculator

Barista FIRE vs Coast FIRE Calculator

Compare two early-retirement paths: earning part-time income to reduce withdrawals, or letting an existing portfolio coast toward a future FIRE target.

Current invested balanceAnnual spending targetPart-time annual income

Current ageTarget retirement ageExpected annual return (%)

Coast FIRE balance needed today

$ —

Barista FIRE target at 4%

$ —

Current status: —

Why this page exists

FIRE search intent is not just “retirement calculator.” People compare variants. Barista FIRE is about income flexibility. Coast FIRE is about whether your current portfolio can keep growing without new contributions.

Related FIRE tools

Coast FIRE calculatorFocus only on the coast number.Lean FIRE vs Fat FIRECompare lifestyle targets and portfolio size.4% rule calculatorTurn annual spending into a portfolio target.

FAQ

What is Barista FIRE?

Barista FIRE uses part-time or lower-stress income to reduce how much the portfolio must cover.

What is Coast FIRE?

Coast FIRE means existing investments may grow to your retirement target by the target age.

What is the main risk?

Returns are not smooth, income may change and healthcare, tax and inflation assumptions matter.