Coast FIRE Calculator
Find the number where you can stop saving for retirement and let compound growth do the rest — your Coast FIRE number, and the date you reach it.
Your data stays in your browser — nothing is stored on our servers or shared with anyone.
Adjust for Inflation
Show values in today's purchasing power
Your Custom Fields
No custom fields yet. Add your own expenses, income, or one-time costs to personalize your plan.
Your Enough Plan
Enough Number: $197,051
Projected: $155,552
Growth Projection
Timeline
Monthly Savings Target
$633
per month to reach your goal
Current: $500
You need $133 more per month
That's about $21 per day
What If?
+$100/mo
Add $100 per month
21 mo. sooner
$186,663
+$200/mo
Add $200 per month
39 mo. sooner
$217,773
-2% return
Bear market scenario
123 mo. later
$132,412
What If You Saved Your Next Raise?
| Scenario | Final Monthly | Total Saved (10yr) |
|---|---|---|
| Save Nothing | $500/mo | $85,526 |
| Save 50% | $640/mo | $94,512 |
| Save ALL | $814/mo | $104,693 |
Saving ALL your raises instead of nothing nets you $19,167 more over 10 years.
Life Seasons
Add upcoming life events to see how they affect your monthly budget.
Click an event above to add it to your timeline.
How You Compare
Key Insights
- At your current pace, you'll reach enough by November 2043.
- You're 79% of the way to your enough number of $197,051.
- At this rate, you'll reach your goal 2.3 years late.
- Increasing your contribution by $100/month would put you on track to reach your goal on time.
- Increasing contributions by just $50/month could shave 11 months off your timeline.
- Once you hit your coast number, every dollar you save is optional — compound growth handles your retirement.
Coach's Corner
Coast ≠ Stop Working
Coast FIRE means you can stop saving for retirement — not stop working. You still earn enough to cover living expenses, but every dollar goes to today, not tomorrow.
Pay Yourself First
Transfer savings the day you get paid, not at the end of the month. You can't spend what you've already saved. This single habit separates savers from spenders.
Export Results
What Salary Do I Need?
To reach $197,051 by saving 20% of your income, you'd need to earn at least $38,003/year.
Prep for Your Next Role
Practice interview questions tailored to the salary you need to hit your "enough" number.
Your Enough Plan
Enough Number: $197,051
Projected: $155,552
Growth Projection
Timeline
Monthly Savings Target
$633
per month to reach your goal
Current: $500
You need $133 more per month
That's about $21 per day
What If?
+$100/mo
Add $100 per month
21 mo. sooner
$186,663
+$200/mo
Add $200 per month
39 mo. sooner
$217,773
-2% return
Bear market scenario
123 mo. later
$132,412
What If You Saved Your Next Raise?
| Scenario | Final Monthly | Total Saved (10yr) |
|---|---|---|
| Save Nothing | $500/mo | $85,526 |
| Save 50% | $640/mo | $94,512 |
| Save ALL | $814/mo | $104,693 |
Saving ALL your raises instead of nothing nets you $19,167 more over 10 years.
Life Seasons
Add upcoming life events to see how they affect your monthly budget.
Click an event above to add it to your timeline.
How You Compare
Key Insights
- At your current pace, you'll reach enough by November 2043.
- You're 79% of the way to your enough number of $197,051.
- At this rate, you'll reach your goal 2.3 years late.
- Increasing your contribution by $100/month would put you on track to reach your goal on time.
- Increasing contributions by just $50/month could shave 11 months off your timeline.
- Once you hit your coast number, every dollar you save is optional — compound growth handles your retirement.
Coach's Corner
Coast ≠ Stop Working
Coast FIRE means you can stop saving for retirement — not stop working. You still earn enough to cover living expenses, but every dollar goes to today, not tomorrow.
Pay Yourself First
Transfer savings the day you get paid, not at the end of the month. You can't spend what you've already saved. This single habit separates savers from spenders.
Export Results
What Salary Do I Need?
To reach $197,051 by saving 20% of your income, you'd need to earn at least $38,003/year.
Prep for Your Next Role
Practice interview questions tailored to the salary you need to hit your "enough" number.
Enough Number
$197,051
Progress
79%
What is Coast FIRE?
Coast FIRE is the point where you have enough invested that, without adding another dollar, compound growth alone will grow your portfolio to your full retirement number by the time you retire. Once you hit it, you only need to cover your current expenses — your retirement is already "coasting" toward the finish line.
It's one of the most freeing milestones in the FIRE (Financial Independence, Retire Early) movement, because it arrives years — often decades — before full financial independence. Hitting Coast FIRE means you can downshift to a lower-paying but more enjoyable job, take a sabbatical, or simply stop stressing about retirement contributions.
How the Coast FIRE Calculation Works
Your Coast FIRE number is your full retirement target discounted back to today at your expected investment return. The formula is: Coast FIRE number = Retirement target ÷ (1 + real return)^years to retirement.
For example, if your retirement number is $1,500,000, you're 30 years from retirement, and you expect a 5% real (inflation-adjusted) return, then you need about $347,000 invested today. Leave that untouched and it compounds to $1.5M by retirement — no further contributions required.
Coast FIRE vs Barista FIRE vs Full FIRE
Coast FIRE: retirement is funded by existing investments; you still work to cover today's expenses. Barista FIRE: you cover expenses with part-time work (often for benefits) while investments coast. Full FIRE: investments cover everything and work is optional. Coast FIRE is usually the first of the three you'll reach.
Why Your Return Assumption Matters
Coast FIRE is sensitive to your assumed return and years to retirement. A more conservative 4% real return pushes your Coast FIRE number higher; a longer runway pushes it lower. Use the calculator to toggle inflation and test different return rates so your number reflects assumptions you actually believe.