Sign in
FINANCE · RETIREMENT

Coast FIRE calculator.

The point where your current investments grow to your retirement number on their own — even if you never save another dollar.

THE READ

Most people chase a bigger paycheck. You just found the moment you could walk away and still retire on time.

About the Coast FIRE Calculator

The Coast FIRE Calculator determines the point at which your existing retirement savings, growing through compound interest alone, will be sufficient to fund your retirement without any additional contributions. Once you reach your "Coast FIRE" number, you only need to earn enough to cover current expenses — you no longer need to save for retirement, giving you the freedom to take lower-paying but more fulfilling work.

Frequently Asked Questions

What is Coast FIRE?▼
Coast FIRE (Financial Independence, Retire Early) is the point where you have enough invested that compound growth alone will fund your retirement by a target age — even if you never save another dollar. It does not mean you can stop working, but you no longer need to save, which dramatically reduces income requirements.
How is Coast FIRE different from regular FIRE?▼
Regular FIRE means having enough saved to cover all living expenses indefinitely (typically 25x annual expenses). Coast FIRE is an earlier milestone — you still need income for current expenses, but not for retirement savings. It is often reachable 10-15 years before full FIRE.
What return rate should I assume for Coast FIRE?▼
Most Coast FIRE calculations use 7% real (inflation-adjusted) return, which reflects the historical average for a diversified stock portfolio. Use 5-6% for a more conservative estimate, especially if you have a shorter time horizon or bond-heavy allocation.

Related Financial Tools

Retirement Planning Calculator

Advanced retirement calculator with RMD calculations, Roth conversion planning, and sequence risk analysis.

Try it free

Compound Interest Calculator

Calculate compound interest and visualize long-term wealth growth with custom contributions.

Try it free

Net Worth Calculator

Track your net worth, assets, and liabilities with liquidity analysis and momentum tracking.

Try it free
NOT ADVICE

Educational model · not personalized advice · projected outcomes are uncertain.

Money Guy Mutants is an independent, fan-made project and is not affiliated with, endorsed by, or sponsored by The Money Guy Show or Abound Wealth Management, LLC. How we make money.