Retirement

Coast FIRE Calculator

Find out if you've saved enough to "coast" to retirement.

Coast FIRE means you've saved enough that, left untouched to grow, your investments will reach your full retirement number by your target age — without needing to save another dollar.

Enter a valid amount.
Enter a valid age.
Must be greater than current age.
Enter a valid target.

Projected Value at Retirement

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Coast FIRE Status

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How to Use This Tool

  1. Enter your current savings, current age, and target retirement age.
  2. Enter your full retirement number (use the [FIRE Calculator](/fire-calculator/) if you need to calculate this).
  3. Click Calculate to see if your current savings alone will grow to your target by retirement.

What Is Coast FIRE?

Coast FIRE is the point at which your current retirement savings, left untouched, will grow through compound returns alone to reach your full retirement number by your target retirement age — without needing to contribute another dollar.

Projected Value = Current Savings × (1 + Return Rate)^Years to Retirement

Why Coast FIRE Is Appealing

Once you hit Coast FIRE, you gain significant flexibility: you can shift to lower-paying but more fulfilling work, reduce your hours, or simply stop saving for retirement (while still covering current living expenses from income) — since your existing investments are already on track to fully fund retirement.

Important Caveats

This calculation assumes a constant average return, which real markets don't provide — actual returns vary year to year. It also doesn't account for inflation eroding your target's purchasing power, or the fact that continuing to earn income (even if you "coast") still typically involves ongoing living expenses that must be covered separately.

Frequently Asked Questions

What's the difference between Coast FIRE and regular FIRE?

Regular FIRE means you have enough saved right now to retire immediately; Coast FIRE means your current savings will grow to your target by a future retirement age without any further contributions, but you still need income to cover current expenses until then.

Does Coast FIRE account for inflation?

This basic calculation doesn't explicitly adjust for inflation — for a more precise estimate, consider using a real (inflation-adjusted) rate of return, or set your target retirement number in today's dollars and use an inflation-adjusted expected return.

This calculator is provided for general informational and estimation purposes only. Results should not be treated as professional financial, tax, legal, medical, or engineering advice. Always verify critical calculations with a qualified professional or official source before making decisions.