Coast FIRE Calculator — Stop Contributing Early
Coast FIRE calculator: check whether your current savings will grow to your full FIRE number by retirement age with no further contributions.
Your savings, spending, and FIRE number are figured in your browser; nothing is sent to a server.Try: Current age=30, Retirement age=65, Current investments=50000, Annual contribution=12000, Annual spending in retirement=40000, Expected annual return=7, Safe withdrawal rate=4 → $1,000,000, $50,000, $533,829, $93,663
How to use
Coast FIRE means you have already saved enough that, even with zero new contributions, your investments will compound to your FIRE number by your retirement age. The tool projects your savings forward at your return assumption and tells you if you have "coasted."
FAQ
What is Coast FIRE?
Coast FIRE is when you have saved enough that, without adding another dollar, your investments will grow to your full FIRE number by your target retirement age. You can stop contributing and let compounding finish the job.
How is Coast FIRE different from regular FIRE?
Regular FIRE means you can retire now. Coast FIRE means you are on track to retire later without further saving — you still need income until then.