Coast FIRE calculator
See how much you need invested today so compound growth carries you to full FIRE by retirement, without adding another dollar.
Coast FIRE is the amount you need invested now so that growth alone reaches your FI number by retirement, with no further contributions.
What is coast FIRE?
Coast FIRE is the point where your existing investments, left completely alone, will grow into your full FIRE number by the time you retire. You still have to cover your living costs until then, but you no longer have to save for retirement. Time and compounding do the rest.
How coast FIRE is calculated
Take your full FIRE number, your annual expenses divided by a safe withdrawal rate, and discount it back to today using your expected return over the years until retirement. The result is the smaller amount you need invested right now to coast the rest of the way.
Why coast FIRE matters
Hitting coast FIRE is a real turning point. It means every dollar you earn from here can go to living well now, not funding a retirement that is already on track. Many people reach coast FIRE years before full FIRE, which changes how much freedom they feel today.
Prefer to track this from your real accounts? Telemetry charts your investable net worth toward your FI number and shows a shareable progress card straight from your data. See net worth and FIRE tracking.
Common questions
What is coast FIRE?▾
Coast FIRE is the amount you need invested now so that compound growth alone reaches your full FIRE number by retirement, with no further contributions. Once you hit it, you can stop saving for retirement.
How do you calculate a coast FIRE number?▾
Start with your full FIRE number (annual expenses divided by your withdrawal rate) and discount it back to today at your expected return over the years until you retire. That present value is your coast FIRE number.
Can I stop working at coast FIRE?▾
Not necessarily. Coast FIRE means you can stop saving for retirement, but you still need income to cover your living expenses until you actually retire. It buys flexibility, not an immediate exit.
What return should I assume for coast FIRE?▾
A long-run real return of 5 to 7 percent is common for a stock-heavy portfolio. A higher assumed return gives a smaller coast number, so it pays to be a little conservative.
Other FIRE calculators
Want your FIRE progress tracked from your real accounts?
Start free →