Coast FIRE calculator
"Coasting" means your current savings, left alone with no further contributions, will still grow into your full retirement number by the time you retire — purely through compounding. This calculator finds out if you're already there, or how much more you'd need to get there today.
Tip: a common way to estimate your target is annual retirement spending × 25 (the "4% rule") — e.g. $50,000/year in spending → a $1,250,000 target.
Your savings at retirement (no more contributions)
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Coast FIRE number today
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Last updated: September 2026 · Verified by Hugo Cardozo.
What "Coast FIRE" actually means
Reaching Coast FIRE doesn't mean you have your full retirement number saved up right now — it means what you've already saved is on track to grow, through compounding alone, into your full retirement number by your target retirement age, even if you never contribute another dollar. From that point on, you're free to work purely to cover current living expenses, since retirement itself is already "coasting" toward being funded.
How the "coast number today" is calculated
It's your target number, discounted backward from your retirement age to today at your expected rate of return — essentially the reverse of a normal compound growth projection. If your current savings are at or above that number, you've already reached Coast FIRE.
Worked example
At 30 years old with $50,000 saved, targeting $1,250,000 by age 65 (35 years away) at a 7% return: your current savings alone would grow to about $534,000 by 65 — not quite enough. The coast number today is about $117,000, meaning you'd need roughly $67,000 more saved right now (with no further contributions after that) to be fully coasting.
Why this is different from a normal retirement projection
A standard retirement calculator assumes you keep contributing until retirement. Coast FIRE specifically asks what happens if you stopped today — useful for people considering a lower-paying but more fulfilling job, a career break, or simply wanting to know how much flexibility their current savings already buy them.
Frequently asked questions
Does this account for inflation?
Not directly — use an inflation-adjusted ("real") return rate (historically often cited around 6-7% for stocks after inflation) and an inflation-adjusted target if you want the result in today's purchasing power.
What return rate should I use?
A common conservative assumption for a diversified stock portfolio over long periods is 6-7% after inflation, though actual returns vary significantly year to year and aren't guaranteed.
Does reaching Coast FIRE mean I can stop working entirely?
No — it means your retirement savings are on track without further contributions. You'd still need income to cover living expenses between now and actual retirement.
📘 Related guide
Read the full guide: "Coast FIRE Explained: When Your Savings Can Take Over".
Coast FIRE Explained