Coast FIRE Calculator
When can you stop contributing and let your portfolio coast to retirement?
What is Coast FIRE?
Coast FIRE (Financial Independence Retire Early) is when you have saved enough that compound growth alone will reach your retirement goal without any additional contributions. You can “coast” by working less, switching careers, or focusing on other priorities while your investments grow.
The reality: This is not permission to stop thinking about money. It is strategic front-loading of retirement savings to buy flexibility later. You still need income for living expenses, but the retirement pressure is off.
What This Calculator Does
- Calculates the exact amount needed today for your portfolio to grow to your retirement goal
- Shows how many years until you can stop contributing
- Projects total contributions needed during accumulation phase
- Estimates portfolio growth during coasting phase
Your Information
Coast FIRE Summary
Coast FIRE Number
Years Until Coast FIRE
Age When Coasting Begins
Total You Will Contribute
Years of Coasting
Projected Value at Retirement
What This Means
Important Considerations
Market returns are not guaranteed or consistent year-to-year
Inflation will reduce your purchasing power over time
You still need income to cover living expenses during coasting phase
Healthcare, emergencies, and life changes require separate planning
Sequence of returns risk is real during accumulation and retirement
Inflation will reduce your purchasing power over time
You still need income to cover living expenses during coasting phase
Healthcare, emergencies, and life changes require separate planning
Sequence of returns risk is real during accumulation and retirement
This calculator is for educational purposes only and is not financial advice. Coast FIRE requires discipline during both accumulation and coasting phases. Consider consulting a financial advisor for personalized guidance.