Coast FIRE Calculator
Find the age you can stop saving for retirement. Calculate your Coast FIRE number and let compound interest power your path to financial independence.
Find Your Freedom to Coast
Coast FI is a powerful milestone on the path to Financial Independence. It's the point where you have enough invested that your portfolio will grow to your full retirement goal by your target retirement age without any further contributions.
Reaching Coast FI gives you incredible flexibility. You can stop saving aggressively and only need to earn enough to cover your current living expenses. This might mean switching to a less stressful job, working part-time, or pursuing a passion project. This calculator helps you find the exact age and portfolio size you need to achieve this liberating goal.
How to Use This Calculator
Enter Your Current Situation
Input your current age, invested portfolio value, and your planned annual contributions.
Define Your Retirement Goal
Enter your target retirement age, your estimated annual expenses in retirement, and your desired Financial Independence multiplier (or Safe Withdrawal Rate).
Set Economic Assumptions
Provide your expected annual investment return and the assumed rate of inflation.
Find Your Coast FI Number
The calculator will determine the age at which you can stop making contributions and let your portfolio 'coast' to your full retirement number.
Understanding Coast FI
Coast FI is the tipping point where your existing savings are enough to secure your traditional retirement.
The Mechanics of Coasting
Mathematically, it's working backward. We calculate the nest egg you need at age 65, then calculate the Present Value needed today to hit that number.
Compound Interest is Key
Coast FI relies heavily on time. The earlier you 'coast', the more time your money has to double and triple on its own.
Barista FIRE
Once you hit Coast FI, you only need to cover current bills. This opens the door to lower-stress jobs ('Barista FIRE') immediately.
The Inflation Factor
Our calculator adjusts for inflation, ensuring your future nest egg has the same purchasing power as your target does today.
Take Your Plan to the Next Level
This calculator is just one piece of the puzzle. Use our full Financial Independence Simulator to unite your income, investments, and expenses into a single, interactive roadmap.
Explore Other FI Concepts
Coast FI is just one of many milestones on the journey to financial freedom.
Frequently Asked Questions
Coast FI (or Coast FIRE) is the point at which you have enough money in your retirement accounts that, without any further contributions, it will grow to support you in a traditional retirement. Once you reach your Coast FI number, you only need to earn enough money to cover your current living expenses, freeing you from the need to save aggressively.
Regular FIRE (Financial Independence, Retire Early) means you have enough invested to stop working completely. Coast FI is a milestone on the way to FIRE; it means you can stop *saving* for retirement, but you still need to work to cover your current bills until your portfolio grows to your full FIRE number.
Barista FIRE is a concept very similar to Coast FI. It refers to leaving a traditional high-stress job for a lower-paying, less stressful one (like a barista) that covers your living expenses. Often, this new job also provides health insurance, which is a major benefit. Your retirement nest egg is left to grow (coast) untouched until you fully retire.
Congratulations! You have many options. You could switch to a more fulfilling, lower-paying job, go part-time, start your own business, or take a mini-retirement. The key is that you no longer have the pressure of saving for retirement, which gives you immense flexibility and freedom in your career choices.