Coast Fi Calculator
Calculate the amount you need to invest today to reach your retirement goal without further contributions, assuming your investments grow at a given rate.
Published by:
isCalculator Editorial Team
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How to use this tool?
How to Use the Coast FI Calculator
This calculator determines the lump sum you need to invest today to reach your retirement goal without adding any more money. Follow these steps:
- Enter your Current Age (e.g., 30).
- Enter your Retirement Age (e.g., 65). Must be greater than your current age.
- Enter your Retirement Goal in dollars (e.g., 1,000,000). Use positive numbers only.
- Enter your Expected Annual Return as a percentage (e.g., 7 for 7%). Must be between 0 and 100.
- Click Calculate.
The result shows the Coast FI Number — the lump sum you need to invest today. Below it, you'll see the future value at retirement and the formula used.
Note: All monetary values are in USD. Ensure all inputs are valid numbers to avoid errors.
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Frequently Asked Questions
Coast FI (Financial Independence) is the point where you have enough invested today that, without any further contributions, your investments will grow to your retirement goal by the time you retire.
The Coast FI number is the present value of your retirement goal, discounted by your expected annual return over the number of years until retirement. Formula: Coast FI = Retirement Goal / (1 + Annual Return)^Years.
It assumes a constant annual return rate and no additional contributions. It also assumes you will not withdraw any money until retirement.
