Your Money Works for You
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.
FIRE Planning
Free Coast FIRE Calculator
Have you saved enough to coast to retirement? Use our net worth projection tool to see if your investments will compound to your goal without another dollar contributed. Free, no signup required.
Net Worth Projection
Stop saving, keep growing
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.
Career Flexibility
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.
Use Our Projection Tool
Enter your current assets. Set contributions to zero. Choose your expected return rate and years to retirement. If your projected net worth meets your goal, you've reached Coast FIRE.
How To Calculate
Find your Coast FIRE number
Use our net worth projection tool to model your Coast FIRE scenario. Here's how to set it up:
1. Enter Current Assets
Add your current investment accounts (stocks, bonds, retirement accounts). Set the expected annual return rate for each asset class.
2. Set Your Timeline
Choose how many years until your target retirement age. The calculator projects your wealth growth year by year.
3. Zero Contributions
Don't add any recurring contributions or income events. This models pure compound growth — the Coast FIRE scenario.
4. Set a Goal
Add a financial goal for your target retirement number (e.g., $1M at age 65). The calculator shows if you're on track.
5. Test Scenarios
Use the what-if sliders to see how different market returns affect your Coast FIRE timeline. Lock a baseline and compare.
6. Run Monte Carlo
For more realistic planning, run a Monte Carlo simulation to see your probability of reaching your goal with market volatility.
FAQ
Coast FIRE questions
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.
Your Coast FIRE number depends on your retirement goal, expected return rate, and years until retirement. Use our projection tool: enter your current assets with expected returns, set contributions to zero, and see if your net worth reaches your goal at your target age.
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.
We don't have a single-click Coast FIRE calculator, but our net worth projection tool handles the same calculation. Enter your assets, skip contributions, set your timeline, and add a goal. The projection shows whether compound growth alone gets you there. Use Monte Carlo for probabilistic scenarios.
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Explore other free tools to plan your path to financial independence.
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Read ArticleNet Worth Projection Calculator
See your year-by-year wealth growth with interactive charts. Track multiple asset classes and visualize your financial timeline.
Learn MoreMonte Carlo Retirement Calculator
Run hundreds of market simulations to see your probability of retirement success. Free, no account required.
Learn MoreSequence of Returns Calculator
Test how a market crash in year 1, 5, or 10 would affect your retirement. See the impact of timing risk.
Learn MoreCheck your Coast FIRE status
See if your investments will grow to your retirement goal without another dollar saved. Free forever.
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