Coast FIRE Calculator

The Coast FIRE Calculator answers a specific question: at what point can compounding do most of the remaining work if you reduce or stop retirement contributions later. This page is useful for career pivots, reduced-hours planning, or risk management when your current savings pace is hard to sustain long term. You can estimate the threshold portfolio value needed today, then evaluate how savings changes, time horizon shifts, and return assumptions alter that threshold. The model is especially helpful when paired with a budget plan, because cash-flow reality determines whether a Coast strategy is feasible. Use the output as a milestone framework, not a guarantee, and regularly re-check assumptions as income, expenses, and market conditions evolve. Find the savings milestone where compound growth can carry your portfolio to retirement without additional contributions. Review assumptions before acting and compare more than one scenario to reduce planning risk.