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Coast FIRE Calculator
Coast FIRE is the moment your savings are large enough that, even with zero new contributions, compound growth will carry them to your full FIRE number by the time you want to retire.
Stocks, funds, retirement accounts — money already working for you.
What you expect to spend each year once you stop working.
Long-term real return after inflation — often around 7%.
Your age today.
The age you want to reach full FIRE.
How much you still plan to invest each month. Set to $0 to see if you can coast today.
Your FIRE number
$1,200,000
25× your annual expenses — the portfolio that lets you withdraw 4% per year.
Coast FIRE status
You can coast now
If you never invested another dollar, your $250,000 would grow to about $1,356,858 by age 60 — enough to cover your FIRE number.
How Coast FIRE works
Regular FIRE asks, "How much do I need to retire today?" Coast FIRE asks, "How much do I need so that I can stop saving and still reach my retirement goal on time?" Once you hit Coast FIRE, your job becomes optional far earlier than full retirement — you only need to cover living costs, not add to the nest egg.
- Front-load savings: the earlier you invest, the longer compound growth has to do the heavy lifting.
- Reduce pressure: Coast FIRE lets you take lower-pay, part-time, or passion work without derailing retirement.
- Pair with cashflow: passive income from assets can cover today's bills while your portfolio quietly grows to full FIRE.
This calculator is for education, not financial advice. Returns are not guaranteed and inflation, taxes, and fees will affect real outcomes.
Explore more freedom tools
Try our FIRE and Freedom calculators, or start tracking your full Cashflow Quadrant in Giga Finance Cashflow.