Coast FIRE Calculator
Calculate your Coast FIRE number — the amount you need saved today so that compound growth alone will fund your retirement. Once you reach Coast FIRE, you can stop saving and let your investments grow on their own.
Your Information
Your Coast FIRE Number
Amount needed today to "coast" to retirement at age 65
Progress to Coast FIRE
30.4% complete
You need $229,443 more to reach Coast FIRE
Coast FIRE by Retirement Age
| Retire At | Coast FIRE Number | Status |
|---|---|---|
| Age 55 | $482,221 | Need $382,221 |
| Age 60 | $398,578 | Need $298,578 |
| Age 65 | $329,443 | Need $229,443 |
| Age 70 | $272,300 | Need $172,300 |
Understanding Coast FIRE
What is Coast FIRE?
Coast FIRE is when you have enough invested that compound growth alone will fund your retirement—you can "coast" without saving more. You still work, but only to cover current expenses.
Benefits of Coast FIRE
Once you reach Coast FIRE, you can take a lower-paying job you love, work part-time, start a business, or simply reduce financial stress knowing retirement is secured.
Coast FIRE vs Regular FIRE
Regular FIRE means you can stop working entirely. Coast FIRE means you can stop saving for retirement but still need income for current expenses. It's a more achievable milestone for many.
Frequently Asked Questions
What is Coast FIRE?
Coast FIRE (also called Coast FI) is a financial milestone where you have enough invested that compound growth alone will fund your retirement. You can stop saving for retirement and "coast" — working only to cover current living expenses while your investments grow to your full retirement number.
How is Coast FIRE different from regular FIRE?
Regular FIRE: You have enough to retire immediately and never work again.
Coast FIRE: You have enough that you don't need to save more, but you still work to cover current expenses until traditional retirement age.
What can I do after reaching Coast FIRE?
- Take a lower-paying job you're passionate about
- Work part-time or seasonally
- Start a business without financial pressure
- Travel while working remotely
- Pursue education or career changes
- Spend more time with family