Coast FIRE Calculator
Discover your Coast FIRE number — the point where you can stop actively saving for retirement and let compound growth do the rest.
Your Situation
Enter your current financial details.
How old you are today
When you want to retire
Total invested assets today
How much you need at retirement
Average annual investment return
Coast FIRE Number
$93,663
Status
Reached!
You can coast to retirement
Years to Coast
0
Already there!
Projected at Retirement
$1.07M
with no new contributions
Congratulations! You have reached Coast FIRE. Your current savings will grow to your target by retirement age without any additional contributions.
Growth Projection (No Additional Savings)
What is Coast FIRE?
Coast FIRE is the point where you have saved enough that, without any additional contributions, your investments will grow to support your retirement by your target age. Once you reach Coast FIRE, you only need to earn enough to cover your current expenses — no more saving for retirement.
Coast FIRE vs Traditional FIRE
While traditional FIRE means you can stop working entirely, Coast FIRE means you can take lower-paying jobs, work part-time, or pursue passion projects without worrying about retirement savings. It offers more flexibility earlier in life.
How to Use This Calculator
Enter your current age, savings, and target retirement number. The calculator shows how much you need today for compound growth to reach your goal. If your current savings exceed the Coast FIRE number, you have already reached Coast FIRE.