Coast FIRE Calculator

Find out when you can stop saving and let compound growth carry you to retirement.

Your Details

Current Age

Retirement Age

Current Savings ($)

Monthly Contribution ($)

Annual Retirement Expenses ($)

How much you expect to spend per year in retirement (today's dollars).

Return Rate (%)

Inflation (%)

FIRE Number

$1,000,000

In today's dollars

Coast FIRE Number

$142,046

Amount needed today to coast

Coast FIRE Age

Age 39

When you can stop contributing

Coast FIRE (Coast Financial Independence, Retire Early) is the point at which you've saved enough that, even if you never invest another dollar, your existing portfolio will grow through compound interest to support your retirement by your target retirement age.

Once you reach Coast FIRE, you only need to earn enough to cover your current living expenses — no more mandatory retirement saving. This gives you freedom to pursue lower-paying but more fulfilling work, reduce hours, or take career risks.