🌊
Coast FIRE

Coast FIRE Calculator

Find the point where compounding alone carries your portfolio to retirement — no more contributions needed.

Current Age
Retirement Age
Annual Retirement Expenses ($)
Current Portfolio ($)
Expected Annual Return 7.0%
Safe Withdrawal Rate 4.0%
Coast FIRE Number
—
amount needed today to coast to retirement
Full FIRE Target
—
at retirement
Gap to Coast
—
still needed
🎉 You've already hit your Coast FIRE number! Compounding will carry you the rest of the way.
Coasting Portfolio vs. FIRE Target Over Time
Assumes no additional contributions after reaching coast number. 🏛 Predictable Income

What is Coast FIRE?

Coast FIRE is the point where you've saved enough that compound growth alone will carry your portfolio to your retirement target with no additional contributions required. Once you hit your Coast number, you can "coast" by covering your living expenses with part-time or lower-stress work without needing to save another dollar. This calculator shows exactly what that number is, how far away you are, and what your portfolio looks like over time if you stop contributing today.