Coast FIRE Calculator
Coast FIRE is the point where your invested savings will grow into a full retirement on their own — even if you never invest another dollar. See if you’re there.
Low-cost index funds to reach Coast FIRE
Learn moreSave hard early, then coast
Coast FIRE flips the script: front-load your investing, and once you hit your coast number, compounding alone carries you to a full retirement — you only need to cover current expenses. It buys freedom to downshift, switch careers, or stop retirement saving sooner than full FIRE.
How it’s calculated & sources
Full FIRE number = annual spending ÷ safe withdrawal rate. Coast number = that figure discounted back to today at your real return over the years until retirement. If your current savings exceed it, you’ve coasted.
Benchmark: Coast FIRE = the amount that compounds into your full FIRE number by retirement with zero further contributions.
Results update as you type and are general estimates, not personalized financial, tax, medical or legal advice. Verify with a professional.
Worked example
At 32, wanting $1.5M by 65 at a 5% real return, the coast number is about $300,000. Have that invested and you can stop adding — it should grow into the full target.
Frequently asked questions
Do I stop saving entirely?
You can stop saving for retirement once you hit the coast number, but you still need income for today’s expenses. Many use it to take a lower-stress job.
What return should I use?
Use a real (inflation-adjusted) return like ~5% so the target is in today’s dollars. Lower it to be conservative.