COAST FIRE
Calculate when you can stop saving and let compound interest do the rest
Coast FIRE is a milestone where you've saved enough that your current balance will grow to your FIRE number by retirement age—without additional contributions.
Your Coast FIRE Data
Your Coast FIRE Status
Additional savings needed: $0
Estimated coast age: 0 years old
Years until coast: 0 years
💡 Coast FIRE: Save enough now so your money grows to your FIRE number by retirement age - no more contributions needed!
💡 The earlier you start, the less you need to save due to compound growth
💡 This assumes you cover living expenses from income but don't save more
Understanding Coast FIRE
What is Coast FIRE?
Coast FIRE means you've invested enough that your current portfolio will grow to support full FIRE by traditional retirement age (typically 65), even if you never contribute another dollar. You can "coast" from here on out.
Why Coast FIRE?
Coast FIRE offers financial flexibility. Once you hit your coast number, you can take lower-paying but more fulfilling jobs, work part-time, or take career risks without worrying about retirement savings.
The Math Behind It
Coast FIRE Number = FIRE Number ÷ (1 + return rate)^years. For example, if you need $1M at 65 and you're 30 with 7% returns, you only need about $130,000 now to coast.
Coast FIRE Strategies
Save aggressively in your 20s and 30s to hit Coast FIRE early. Then pursue passion projects, part-time work, or entrepreneurship while your retirement funds grow on autopilot.