What this calculator shows you
- Coast Number
- Find the magic number that lets you stop saving
- Compound Growth
- See how your money grows on autopilot
- Freedom Timeline
- Know when you can downshift to a stress-free job
- Retirement Projection
- Ensure you'll have enough at your target age
What is Coast FIRE?
Coast FIRE is a variation of FIRE where you've saved enough that compound growth alone will fund your retirement—no additional contributions needed. Once you hit your Coast FIRE number, you can "coast" by covering just your current expenses with any income, even a lower-paying job you enjoy.
How Coast FIRE Works
The magic of Coast FIRE is compound growth. If you save aggressively early, your investments can grow to your full FIRE number by retirement age without any additional contributions. A 30-year-old with $200,000 at 7% returns would have about $2.1 million at 65—without adding another dollar.
Coast FIRE vs Traditional FIRE
Traditional FIRE requires saving until you can retire immediately. Coast FIRE only requires saving until compound growth can do the rest. This often means working 10-15 years instead of 20-25, then enjoying more flexible, lower-stress work until traditional retirement age.
Questions people ask
How is Coast FIRE different from regular FIRE?
Regular FIRE means you can quit working entirely. Coast FIRE means you can quit saving—you still work, but only to cover current expenses, not to save for retirement. It offers more flexibility and less pressure than traditional FIRE.
When should I try for Coast FIRE?
Coast FIRE is ideal if you want financial security without extreme frugality, prefer meaningful work over early retirement, or want to reduce stress earlier in life. It's a middle path between traditional retirement and full FIRE.
Education only, not personalized financial, tax or investment advice. Results are estimates based on the numbers you enter; real returns vary and losses happen.