Coast FIRE is the moment you have enough invested that, even if you never contribute another dollar, compound growth alone will grow your portfolio into a full retirement nest egg by the time you stop working. Reaching it means you can coast: cover only your current living costs and let time do the rest. Enter your current age, your target retirement age, your desired retirement portfolio, and your expected annual return, and this calculator works backward to show the Coast FIRE number you need invested right now. It also tells you whether your current balance already clears the bar. It is a powerful milestone because it buys you freedom long before full financial independence. All numbers are computed in your browser and never leave your device.
It is the amount invested today that, with compound growth alone, will fund retirement without you adding another dollar.
The tool discounts your future retirement target back to today using your expected return and years until retirement.
You can stop investing new money and let compounding do the rest, covering just living expenses until retirement.
Coast FIRE is the moment you have enough invested that, even if you never contribute another dollar, compound growth alone will grow your portfolio into a full retirement nest egg by the time you stop working. Reaching it means you can coast: cover only your current living costs and let time do the rest.
Yes. Coast FIRE Calculator is completely free, with no sign-up and no usage limits.
Yes. Coast FIRE Calculator runs in any modern web browser. There is nothing to download or install.
Yes. Coast FIRE Calculator runs entirely on your device in your browser, so nothing you enter is uploaded to a server.