Stop Trading Your Best Years for a Paycheck
What if your investments could grow enough to fund retirement on their own — so you could stop saving and start living? That's Coast FIRE. Find your number in 30 seconds.
- Free forever. No sign-up. No data collection.
- Find My Coast FIRE Number
Find your number in 3 steps
Answer a few quick questions. We'll do the math.
4 Simple Steps
How Coast FIRE Works
Save hard early, then let compound growth do the heavy lifting for the rest of your life.
Know Your Retirement Number
The 4% rule says you need 25x your annual expenses. Spending $40K/year? Your target is $1,000,000.
Discount It to Today
Factor in real investment returns (after inflation) to find what that number is worth right now. That's your Coast FIRE number.
Hit the Number & Coast
Once your portfolio reaches it, compound growth takes over. You can stop contributing to retirement entirely.
Live Life on Your Terms
Take a lower-stress job, go part-time, travel, start a business. Just cover daily expenses and let your investments grow.
Why Coast FIRE?
Imagine a Life Where Saving Is Optional
The Problem
You're saving hard — but can't see the finish line
You max out your 401(k), cut expenses, and do everything right. But the traditional path says work until 65. What if there was a checkpoint where you could stop?
The Insight
Compound growth can finish the job for you
Coast FIRE is the exact dollar amount where your existing investments will grow to cover retirement — even if you never invest another dollar. It's the mathematical point where time becomes your greatest asset.
- Your money doubles roughly every 10 years at 7% real returns
- $250K at age 30 becomes $1M+ by 60 — without adding a cent
- The earlier you hit the number, the more freedom you unlock
The Payoff
Work because you want to — not because you have to
After reaching Coast FIRE, your only job is covering today's expenses. Switch careers. Go part-time. Start a passion project. Travel. The pressure to maximize income disappears.
Calculate your number nowBuilt for Accuracy
Not Just Another Calculator
Most FIRE calculators ignore inflation and show only one scenario. This one doesn't.
Inflation Adjusted
See your real purchasing power, not inflated future dollars that give a false sense of security.
3 Market Scenarios
Conservative, moderate, and aggressive assumptions — because nobody knows the future.
Reverse Calculator
Pick your target Coast FIRE age. We'll tell you exactly how much to save each month.
Barista FIRE Mode
See how a part-time job could cut your savings target by 40% or more. Game-changer.
100% Private
Every calculation runs in your browser. Zero server calls. Your finances stay yours.
Interactive Charts
Watch your portfolio cross the Coast FIRE threshold in a live, interactive chart.
When do you want to stop worrying about retirement?
Pick a target age below. We'll show you exactly what it takes to get there — and what happens if you push it a few years further. The tradeoff might surprise you.
"I quit my corporate job at 35 and work 20 hours a week at a coffee shop. My investments are on autopilot."
Lifestyle Simulator
What If You Went Part-Time?
Barista FIRE means covering part of your expenses with lighter, part-time work while your investments keep compounding. It won't shrink the nest egg you ultimately need — but it can let you leave a full-time career years earlier. Switch between permanent extra income (a pension or lifelong side gig) and a temporary bridge to see how each changes your number.
Settings
Pension, Social Security, or part-time work you keep through retirement — it lasts for life.
Coast FIRE (no extra income)
$263,555
With permanent income
$131,777
Because $20,000/yr covers part of your expenses for life, your portfolio only needs to fund $20,000/yr — cutting today’s number from $263,555 to $131,777.
Target Comparison by Age
Coast target by age — full expenses vs. covered by permanent income
FAQ
Frequently Asked Questions
Everything you need to know about Coast FIRE.
Coast FIRE (Coast FI) is a financial milestone where you've saved enough that compound growth alone will fund your retirement — even if you never invest another dollar. After reaching it, you only need to cover current living expenses.
Traditional FIRE requires 25x annual expenses to retire fully. Coast FIRE is an earlier checkpoint — your investments are on track for retirement, but you still work to cover today's costs. Most people reach it 10-20 years before full FIRE.
The 4% rule (from the Trinity Study) says you can withdraw 4% of your portfolio each year in retirement with low risk of running out over 30 years. So your retirement target = annual expenses x 25.
$1M in 30 years won't buy what $1M buys today. This calculator uses real (inflation-adjusted) returns so your Coast FIRE number reflects actual future purchasing power — unlike many tools that ignore inflation.
Barista FIRE means working part-time to cover living expenses (and possibly get benefits like health insurance) while your investments grow. Our simulator shows how even modest part-time income dramatically lowers your target.
The U.S. stock market has historically returned ~10% nominally (~7% after inflation). Our Moderate scenario uses 7%/3%. Use Conservative (5%/4%) for safety, or Aggressive (10%/2%) if you're bullish.
Absolutely. Every calculation runs in your browser via JavaScript. No data is sent to any server. You can verify by opening your browser's Network tab — zero requests are made with your inputs.
It uses standard financial planning math (4% rule, compound growth, constant real returns). Real markets are volatile, so treat results as a planning guide. For personalized advice, consult a financial advisor.