Coast FIRE means you have saved enough that, with no more contributions, compound growth will carry your portfolio to your full retirement number. Enter your ages, savings and expected return to see where you stand.
| Age | Coast number needed | Your projected balance | Status |
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Switch to lower-stress work once retirement is covered.
A big step on the way to full FIRE.
See whether time off will still let you retire on time.
Money invested early has decades to compound. At a 5% real return, every 1 unit invested at 30 grows to about 5.5 units by 65. Coast FIRE uses this to find the point where your existing savings are enough on their own.
Before reaching Coast FIRE, contributions close the gap. After it, contributions are optional: anything extra shortens the time to full FIRE or adds a safety margin.
Saved enough to coast to retirement.
Part-time work covers living costs.
Your portfolio covers all spending now.
Coast number = FIRE number / (1 + real return)^(years to retirement). The FIRE number is yearly retirement spending divided by your safe withdrawal rate.
You only need to earn enough to cover current living costs. You can stop investing for retirement and let your portfolio grow on its own.
A real (after-inflation) return such as 4% to 6% for a stock-heavy portfolio, so all amounts are in today’s money. A lower return is more conservative.
Fewer years remain for growth, so you need more invested to reach the same retirement target.
Market returns vary, so a portfolio that should coast may fall short. Many people keep a margin by using a lower return or continuing small contributions.
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