Coast FIRE is when you've saved enough that compound interest will grow your retirement fund to your target amount, even if you never save another dollar. You still work to cover current expenses but don't need to save for retirement.

How much do I need for Coast FIRE?

It depends on your age and retirement goals. Generally: Age 25 needs $100K-200K, Age 30 needs $150K-300K, Age 35 needs $250K-450K, Age 40 needs $400K-600K. Use our calculator for your exact number.

Can I still save after reaching Coast FIRE?

Absolutely! Coast FIRE is the minimum needed. Continuing to save lets you retire earlier, have a more comfortable retirement, build extra safety margin, or leave money for heirs.

What if the market crashes after Coast FIRE?

Consider building a buffer by saving 20% extra, using conservative return estimates (5-6%), continuing some retirement savings, or having 1-2 years expenses in cash for emergencies.

What return rate should I use?

Conservative: 5-6%, Moderate: 7-8%, Aggressive: 9-10%. We recommend 7% for most people as it matches historical stock market averages after inflation.

Coast FIRE Calculator

Calculate when you can stop saving for retirement and let compound interest take over

Coast FIRE Calculator

Calculate when you can stop saving for retirement and let compound interest do the work. Find your Coast FIRE number instantly.

Current Age*

Target Retirement Age*

Current Retirement Savings*

Include all retirement accounts: 401(k), IRA, taxable investments

Annual Retirement Expenses*

Expected annual spending in retirement (in today's dollars)

Expected Annual Return

Historical average is 7% after inflation

Inflation Rate

Average inflation is typically 2-3%

What is Coast FIRE?

Coast FIRE (Financial Independence Retire Early) is a milestone where you've saved enough money that it will grow on its own to fund your retirement, even if you never save another dollar.

Think of it like planting a tree. Once the tree is big enough, you don't need to water it anymore - it can survive and grow on its own. Your retirement savings work the same way. When you have enough invested early, compound interest does the rest of the work for you.

The key difference between Coast FIRE and regular FIRE is that with Coast FIRE, you still need to work to cover your current living expenses. However, you no longer need to save for retirement. This gives you tremendous flexibility to switch careers, work part-time, take sabbaticals, or pursue passion projects.

How to Use This Coast FIRE Calculator

1.Enter your current age and target retirement age to calculate years for compound growth.
2.Input your current retirement savings from all accounts (401k, IRA, taxable investments).
3.Estimate your annual retirement expenses in today's dollars.
4.Set your expected return (7% is historical average) and inflation rate (3% is typical).
5.View your results to see if you've reached Coast FIRE or how much more you need.

Why Use Our Coast FIRE Calculator?

✓Instant calculation with real-time updates
✓Inflation-adjusted projections
✓Based on 4% safe withdrawal rule
✓Progress tracking towards your goal
✓100% free - no registration required
✓Complete privacy - all calculations in browser
✓Mobile-friendly responsive design
✓Easy-to-understand results

Frequently Asked Questions

Everything you need to know about this tool