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Coast FIRE Calculator

Calculate when you can stop saving for retirement and let your investments do the work

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Frequently Asked Questions

Why you can trust our Coast FIRE Calculator

This calculator provides accurate, reliable results based on industry-standard formulas and methodologies. Our tools are regularly tested and verified by domain experts.

Market-Based Returns
No Data Storage
Fiduciary Standards

Understanding Coast FIRE

Coast FIRE offers a balanced approach to financial independence, allowing you to maintain your lifestyle while your investments grow to support retirement.

What is Coast FIRE?

Coast FIRE is achieved when your current investments are sufficient to grow to your retirement number without additional contributions. This allows you to 'coast' to retirement while only covering current expenses.

Calculating Your Coast Number

Your Coast number is calculated by determining how much you need invested today for it to grow to your target retirement amount, based on expected returns and time horizon.

Investment Considerations

Coast FIRE typically assumes investment in broad market index funds with returns based on historical market performance. It's important to consider your risk tolerance and adjust expectations accordingly.

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Last updated: 9/3/2025