🏖️ Coast FIRE: have I saved enough already?
Coast FIRE is the FIRE milestone where your existing investments, left alone, will compound into a full retirement by your target age — no further contributions required. Once you reach it, work only has to cover your living expenses, which makes room for a lower-stress job, fewer hours, or a passion project. This calculator finds your Coast FIRE number, your progress toward it, and how long until you can coast.
Your Situation
🎯 Retirement Goals
Your full-retirement target works like any FIRE number: annual spending divided by a safe withdrawal rate. Coasting just means compounding gets you there instead of further saving.
Full FIRE Number
🏁 Results
Your Coast FIRE Number
Coast FIRE Progress
Years Until You Can Coast
1
Not aiming to coast? Run the numbers on full financial independence, or check how long your savings would last.
Calculator updated by heyfinfam (v26.8.0) · View history
Privacy: None of your data is transmitted to the author of this view or any other third parties. Financial inputs are never used to identify you; they're only used to calculate results.
Disclaimer: This content and any calculations provided are for informational purposes only. The views, calculations, and methodologies expressed are those of the author and do not necessarily reflect those of this platform. Not financial advice. Users are solely responsible for any decisions made based on this information.
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When can I achieve Coast FIRE?
Calculate the timeline to reach your Coast FIRE goal and feel comfortable coasting until retirement, knowing your momentum is already in place..
Takes your balance, annual spending from the portfolio, expected return, and inflation, and computes your withdrawal rate and how many years the money lasts -- then checks it against your retirement horizon.
Calculate the long-term impact of an early retirement withdrawal and see how quickly you can rebuild your path to financial independence.