Coast FIRE

Save once.
Coast forever.

Most people think you have to keep saving aggressively until retirement. Coast FIRE flips that idea.

🎯
The idea
If you save enough early, compound interest will do the rest of the work on its own. You hit a number — your Coast FIRE number — and then you can stop contributing entirely.
💼
What changes
Once you've coasted, you only need to cover your current living expenses — not save for retirement on top of them. That opens the door to lower-stress jobs, part-time work, or passion projects.
📐
How it's calculated
We take your full retirement number (25× your annual spending) and discount it back to today using your expected investment return. The result is how much you need saved right now to coast.
Coast FIRE

What's your retirement goal?

Coast FIRE is when you've saved enough that — even if you never invest another dollar — your money will grow on its own to fund your retirement. Let's find your number.

yrs
yrs
$
Please fill in all fields. Retirement age must be greater than current age.
Your Investments

How much do you have saved so far?

This is your current invested balance — 401k, IRA, brokerage accounts, anything invested in the market.

$
Please enter your current balance.

Coast FIRE is one of the most liberating milestones in personal finance. Once you hit your number, you have effectively taken retirement off the table as a financial worry. Your invested money will do the work from that point forward, growing on its own until you are ready to stop working.

The math behind it is straightforward. You need a large enough balance today that, given a reasonable rate of return and enough time, it compounds to your retirement target by the age you want to stop working. The earlier you start, the smaller that number is, because time is doing most of the heavy lifting.

Common Questions

What is Coast FIRE?
Coast FIRE is the point where you have saved enough that your investments will grow to fund your retirement on their own, without any additional contributions. You still need to cover your living expenses until retirement, but you no longer need to save specifically for retirement.
How is Coast FIRE different from regular FIRE?
Regular FIRE means your portfolio is large enough to fund your retirement right now. Coast FIRE means your portfolio is large enough that it will get there by retirement age on its own. Coast FIRE is achievable much earlier and gives you flexibility to work less, change careers, or take a lower paying job you enjoy more.
What do I do after I hit my Coast FIRE number?
You only need to earn enough to cover your current expenses. You can stop contributing to retirement accounts, shift to a lower paying or more enjoyable career, reduce your hours, or simply enjoy more financial breathing room knowing retirement is taken care of.
What return rate should I use for Coast FIRE calculations?
Most people use 7% annually as a conservative real return after inflation for a diversified index fund portfolio. Using a lower number builds in a cushion. If markets perform better than expected, you hit your number sooner than projected.