How it works
Current coast target = retirement portfolio target ÷ (1 + real growth rate)^years.
Input definitions
- Desired annual retirement spending
- Enter the value in the labeled unit.
- Withdrawal rate (%)
- Enter the value in the labeled unit.
- Real annual growth (%)
- Enter the value in the labeled unit.
- Years until retirement
- Enter the value in the labeled unit.
A worked example
- Desired annual retirement spending
- 50000
- Withdrawal rate (%)
- 4
- Real annual growth (%)
- 5
- Years until retirement
- 25
Assumptions & limits
Uses only the values entered. Rates are illustrative inputs, not live quotes, legal rules or personalised advice. Check provider terms, local requirements and measurements before acting.
Sources & review
Maintained by AnsRio. Methods and examples use automated checks; this does not imply independent professional certification.
Method updated 2026-10-19. Content checked against the stated method and examples. Our verification approach.
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Common questions
Why use a real return?
A real return already subtracts inflation, letting spending remain in today’s purchasing power.
How does Coast FIRE current balance target calculate the result?
Current coast target = retirement portfolio target ÷ (1 + real growth rate)^years.
What should I verify before using Coast FIRE current balance target?
Uses only the values entered. Rates are illustrative inputs, not live quotes, legal rules or personalised advice. Check provider terms, local requirements and measurements before acting.