Coast FIRE Calculator

Question 1

What is Coast FIRE?

Accepted Answer

Coast FIRE is the point where you have invested enough that compound growth alone will carry you to full financial independence by your target retirement age — even if you never contribute another dollar. You still work to cover today’s expenses, but you no longer have to save for retirement.

Question 2

How is the Coast number calculated?

Accepted Answer

We take your freedom number and discount it backward at your real (inflation-adjusted) return over the years until retirement. The result is the amount you would need invested today for growth alone to reach your goal.

Question 3

What can I do once I hit Coast FIRE?

Accepted Answer

You gain options: work part-time, take a lower-stress job, switch careers, or redirect the money you were saving toward living well today, all while your retirement stays on track.

Can my investments grow enough without aggressive saving?

You are $275.3K away from coasting

Growth without new savings

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Frequently asked questions

Can my investments grow enough without aggressive saving?

Advanced assumptions

You are $275.3K away from coasting

Growth without new savings

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