🛟Coast FIRE Calculator
See if you've already saved enough that compounding alone — with no further contributions — will carry you to your retirement number.
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What Is Coast FIRE?
Coast FIRE is the point at which you've saved enough that, even if you stopped contributing entirely today, compound growth alone would carry your portfolio to your full retirement number by your target retirement age.
Reaching Coast FIRE doesn't mean you can quit working. It means you've earned the option to stop saving aggressively — to take a lower-paying but more meaningful job, drop to part-time, or simply stop stressing about your contribution rate — because growth has taken over the job your savings rate used to do.
How This Calculator Works
The calculator works backward from your full FIRE number at your planned retirement age, then discounts it back to today using your expected return, to find out how much you'd need to have saved right now to "coast" the rest of the way with $0 in further contributions.
Psychological Considerations
Coast FIRE is as much a permission structure as a number. People who've internalized years of "save more, spend less" often keep grinding well past the point it's financially necessary, because the identity of being a disciplined saver is hard to set down even after it's done its job.
If you've crossed your Coast FIRE number, the harder question usually isn't financial — it's whether you can tolerate slowing down. Watch for the instinct to immediately set a new, harder goal the moment this one is met. That's not always wrong, but it's worth noticing when it happens automatically rather than by choice.
Frequently Asked Questions
Full FIRE means you have 100% of what you need to stop working and live off withdrawals today. Coast FIRE means you have enough that growth alone gets you there by a target date — but you still need income (even reduced income) to cover today's living expenses in the meantime.
It assumes you stop contributing to your portfolio, not that you stop earning income entirely. Most people who hit Coast FIRE keep working in some form to cover current expenses; they just stop needing that income to also fund retirement savings.
Lower the retirement age in the calculator and recheck. Moving the date closer raises your Coast FIRE number, since compounding has less time to do the work.