Coast FIRE Calculator — When You Can Stop Saving For Retirement

What Coast FIRE actually means

Coast FIRE is the moment your investment balance is large enough that, even with zero additional contributions, it will grow to your full FI number by traditional retirement age. After Coast FIRE, you only need to earn enough to cover current expenses — no more retirement savings needed.

It's an underrated milestone because it unlocks job flexibility years before full FI. Take a lower-paid job you love. Switch to part-time. Start a business. The compounding does the rest.

How to calculate your Coast FIRE number

Decide your full FI number (e.g. 25× your projected retirement spending). Decide your traditional retirement age (e.g. 65). Discount the FI number back to today's dollars at your expected real return rate. That's your Coast FIRE balance — hit it, and you're free to coast.