Coast FIRE Calculator

When can you stop saving and still retire on time?

Your Coast FI Number

$131k

You've reached Coast FI. If you stopped saving today, your current $150k would grow to $1.0M by age 60 at 7% returns.

FI Number

$1.0M

Coast Age

Age 30

Years to Retirement

30

Coast Line vs. Your Growth

Your savings (no contributions) Coast FI line

When the teal line crosses above the orange line, you've hit Coast FI and can stop contributing.

Coast FI Number by Age

How much you'd need saved at each age for it to grow to $1.0M by 60

Age 30
$131k
Age 35
$184k
Age 40
$258k
Age 45
$362k
Age 50
$508k
Age 55
$713k
Age 60
$1.0M

FAQ

What is Coast FIRE (also called Coast FI or CoastFIRE)?

Coast FIRE, sometimes written Coast FI or CoastFIRE, is the moment your invested savings are large enough to grow into your full FIRE number by retirement age without any further contributions. After hitting your Coast FI number you still need to cover living expenses, but you can stop saving for retirement.

How does this Coast FIRE calculator work?

The coast fire calc takes your current age, target retirement age, current invested savings, annual expenses, expected return, and withdrawal rate. It computes your full FIRE number (annual expenses divided by withdrawal rate), discounts it back to today using compound growth, and shows the Coast FI number you need right now.

What's the difference between Coast FIRE and Barista FIRE?

Coast FIRE means you've stopped retirement contributions but still cover all living costs from a job. Barista FIRE means you work part-time or in a lower-paid role you enjoy, and your portfolio plus the part-time income together cover expenses until traditional retirement age.

What return rate should I use in the coast fire retirement calculator?

Most FIRE planners use 5 to 7 percent real (inflation-adjusted) returns for a stock-heavy portfolio. The default here is 7 percent. Lower the rate to stress-test the plan: a smaller assumed return raises your Coast FI number.

Once I hit Coast FI, am I done saving forever?

Technically yes for retirement, but most people keep saving for shorter-term goals (house, kids, sabbatical) or to retire earlier than the age they originally targeted. Coast FI is a milestone, not a finish line.

This tool is for educational and informational purposes only. It does not constitute financial advice. Past performance does not guarantee future results. Consult a qualified financial advisor for personalized advice.