Coast FIRE means having enough invested today that, with no more contributions, it could grow to your retirement target on its own. After that you only need to earn enough to cover current spending.

How do I calculate my Coast FIRE number?

Divide your FIRE number by one plus your expected return after inflation, raised to the number of years until retirement. For example, a $1.25 million target in 25 years at 5% needs about $369,000 invested today.

Does KiwiSaver count toward Coast FIRE?

It can if you plan to retire at 65 or later, because KiwiSaver is generally locked until 65. If you want to stop earlier, count only investments you can reach before then. Fireball tracks both and adds NZ Super from 65.

Coast FIRE Calculator NZ

Find out whether your investments could grow to your FIRE number by your chosen retirement age without adding another dollar.

Adjust your plan

Move the sliders or enter exact amounts.

Current age

Retirement age

Annual spending in retirement

$

Withdrawal rate

%

Current invested assets

$

Annual return after inflation

%

Your estimate

Updates instantly as your numbers change.

Coast FIRE number today

$369,128

About $219,128 more invested today would get you there.

FIRE number at retirement

$1,250,000

Annual spending divided by a 4% withdrawal rate.

Your investments at retirement

$507,953

What today's investments could grow to over 25 years with no more contributions.

How this calculator works

Your FIRE number is your yearly retirement spending divided by a withdrawal rate. The Coast FIRE number is that target discounted back to today at your expected return after inflation. If your investments already match it, they could reach your FIRE number on their own, and you only need to earn enough to cover today's spending.

Important assumptions

The return is entered after inflation and stays constant until retirement.
No further contributions are made after today.
Tax, fees, KiwiSaver access rules and NZ Super are not included.

These results are general illustrations only and are not financial advice. Actual outcomes can differ.

Turn the estimate into a living plan

Fireball connects spending, savings, investments, property, debt, and KiwiSaver in one private financial independence plan.

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Common questions

Terms explained

Coast FIRE
Coast FIRE is having enough invested today that, with no more contributions, it could grow to your retirement target on its own.
FIRE number
A FIRE number is the invested amount you need for your investments to cover your yearly spending, often 25 times annual spending.
Safe withdrawal rate
A safe withdrawal rate is the share of your portfolio you can spend each year with a low chance of running out, commonly 4%.
Barista FIRE
Barista FIRE is leaving full time work and covering part of your spending with flexible part time income while investments cover the rest.
Real return
A real return is an investment return after inflation, which shows how much your buying power actually grew.
Compound interest
Compound interest is earning returns on your past returns as well as on the money you put in.

See the full glossary

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