Coast FIRE Calculator

Find out when you can stop saving and let compound growth do the rest

Your Information

Current Age:

Target Retirement Age:

Current Retirement Savings:

Retirement Target

How do you want to set your target?

Annual Expenses + SWR Direct FIRE Number

Expected Annual Expenses in Retirement:

Safe Withdrawal Rate (%): Typically 4% (the "4% rule")

Target FIRE Number:

Growth Assumptions

Expected Annual Return (%):

Historical S&P 500: ~7% real (inflation-adjusted)

Expected Inflation (%):

Historical average: ~3%

🎉

You've Reached Coast FIRE!

You can stop contributing to retirement accounts and your current savings will grow to your target by age {{ retirementAge }}.

📈

Not Yet Coast FIRE

Keep saving! You need {{ formatNumber(coastFIRENumber - currentSavings) }} more to reach Coast FIRE.

Your Coast FIRE Number

Amount needed today to coast

Target FIRE Number

Goal at retirement

Projected Balance at {{ retirementAge }}

If you stop contributing now

Years Until Retirement

{{ yearsToRetirement }} years

Real Growth Rate

{{ realReturn.toFixed(2) }}%

After inflation adjustment

When Will You Reach Coast FIRE?

If you continue saving {{ formatNumber(monthlySavingsNeeded) }}/month, you'll reach Coast FIRE in approximately {{ yearsToCoastFIRE }} years (at age {{ currentAge + yearsToCoastFIRE }}).

What is Coast FIRE?

Coast FIRE (also called "Coasting" or "Coast FI") is a milestone in the FIRE movement where you've saved enough that you no longer need to actively contribute to your retirement accounts. Your existing savings, through the power of compound growth, will grow to your target retirement number by the time you want to retire.

The Coast FIRE Formula

Coast FIRE Number = Target FIRE Number ÷ (1 + growth_rate)^years_to_retirement

This calculates the present value of your future retirement goal, accounting for expected investment growth.

Benefits of Coast FIRE

Career flexibility: Take a lower-paying but more fulfilling job
Reduced stress: No pressure to maximize savings rate
Work optional: You only need to cover current expenses, not save for retirement
Early milestone: Achievable much sooner than full FIRE

Coast FIRE vs. Other FIRE Types

Type	Description
Coast FIRE	Stop saving; current savings will grow to goal
Barista FIRE	Work part-time to cover expenses + healthcare
Lean FIRE	Retire early with minimal expenses (~$40k/year)
Traditional FIRE	Full financial independence (25x expenses)
Fat FIRE	Retire with comfortable lifestyle ($100k+/year)