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Once you reach your Coast FIRE number, your investments grow to your retirement goal on their own. You only need to earn enough to pay today's bills — no more saving required.
Have you saved enough to coast to retirement? Enter your numbers below and see your Coast FIRE number instantly. Free, no signup required.
Coast FIRE means you've saved enough that compound growth alone will carry your portfolio to your retirement goal. You can stop contributing and just cover your current expenses until you're ready to retire.
Once you reach your Coast FIRE number, your investments grow to your retirement goal on their own. You only need to earn enough to pay today's bills — no more saving required.
Take a lower-paying job you love. Work part-time. Start a business without retirement pressure. Coast FIRE removes the need to maximize income for savings.
Enter your spending, SWR, expected return, and years to retirement. The widget instantly shows your Coast number — if your current portfolio exceeds it, you've reached Coast FIRE.
The formula: Coast Number = FIRE Number ÷ (1 + expected return)^years. This is the present value of your retirement goal.
Enter your annual spending and SWR. The calculator computes your FIRE number (spending ÷ SWR).
Set your expected annual return (commonly 6-8% for a diversified portfolio).
How many years until you want to access this money? The longer the timeline, the lower your Coast number.
Enter your current portfolio. If it exceeds your Coast number, you've reached Coast FIRE!
Adjust return assumptions or retirement timeline to see how they affect your Coast number.
For more realistic planning, use the full projector's Monte Carlo simulation to see your probability of success.
Coast FIRE (Coast Financial Independence) means you've saved enough that your investments will grow to your retirement goal by a target age without any additional contributions. Once you reach Coast FIRE, you only need to earn enough to cover current expenses — you can "coast" to retirement.
Enter your annual spending, SWR, expected return, and years to retirement in the calculator above. Your Coast number is your FIRE number discounted back to today at your expected return rate. If your current portfolio meets or exceeds this, you've reached Coast FIRE.
Regular FIRE means you can stop working entirely and live off your investments now. Coast FIRE means you've saved enough that your investments will grow to your retirement goal, but you still need income to cover current expenses. Coast FIRE lets you take lower-stress jobs or work part-time.
Historical stock market returns average around 7% after inflation. Conservative estimates use 5-6%. The calculator defaults to 7%, but you can adjust it. Lower return assumptions mean a higher Coast number — it's more conservative.
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