Coast FIRE Calculator
Find out if you've saved enough to "coast" to retirement. Coast FIRE means your current savings will grow to your retirement target without any additional contributions — compound growth does the rest.
Coast FIRE is the point where your current savings will grow to your retirement goal without any additional contributions — you can "coast" to retirement.
Frequently Asked Questions
What is Coast FIRE?
Coast FIRE is the point where you've saved enough that, even if you never invest another dollar, compound growth alone will grow your portfolio to your full retirement number by your target retirement age. Once you hit Coast FIRE, you only need to earn enough to cover current expenses — no more saving required.
How is Coast FIRE different from regular FIRE?
Regular FIRE means you have enough right now to retire. Coast FIRE means you have enough invested that time and compound growth will get you there — you just need to wait. You still need income for current expenses, but you can take a lower-stress job, work part-time, or pursue passion projects.
How do I calculate my Coast FIRE number?
Your Coast FIRE number is your FIRE number (annual expenses ÷ withdrawal rate) discounted back to today using your expected rate of return and years until retirement. For example, if your FIRE number is $1.25M, you expect 7% returns, and retirement is 30 years away, your Coast FIRE number is about $164,000.
What should I do after reaching Coast FIRE?
That's the beauty of Coast FIRE — it's your choice. Many people downshift to part-time work, change careers, start a business, travel, or focus on family. The key is that your future is funded, so your present-day income only needs to cover present-day expenses.