Free calculator
Coast FIRE calculator
Coast FIRE is the point where your investments no longer need you: what you’ve already saved will compound into a funded retirement on its own, so every paycheck from here on is yours to live on. This calculator finds your number the hard way — across 1,000 simulated markets, not one rosy average — and tells you the age you could stop saving on your current path.
Today
Retirement
Coast FIRE outlook
Your Coast FIRE number is $349K.
That’s what you’d need invested at 30 to stop saving entirely and still retire at 65 spending $40,000 a year, with at least 80% of simulated markets lasting to 100. Even saving $10K a year until 65 doesn’t get there — try saving more, retiring later, or planning leaner spending.
- Stop saving today
- 34%
- odds it still lasts to 100
- Could stop at
- —
- not on this path
- Gap to coast
- $249K
- left to invest
Questions people ask
- What is Coast FIRE?
- The point where your retirement is funded even if you never save another dollar — what you've already invested will grow into enough on its own. You still work to cover today's bills; you just stop having to save for later. FIRE stands for Financial Independence, Retire Early.
- How is my Coast FIRE number calculated?
- It's the smallest balance today that still clears the bar after markets misbehave: across 1,000 simulated market paths, at least 80% must keep your retirement funded to age 100. That's stricter than the usual coast formula, which compounds one average return and ignores bad decades entirely. For example, a 30-year-old retiring at 65 on $40,000 a year needs about $349,000 invested today.
- What growth does it assume?
- A 10% average yearly return before retirement and 6% after, with year-to-year swings scaled to those returns, and 3% inflation — every result reads in today's dollars.
- Does Coast FIRE mean I can quit working?
- No — it means you can stop saving. Your job still pays for today's life; your investments handle the future by themselves. Quitting outright is regular FIRE, which needs the full nest egg now.
- Does this include Social Security?
- No. The number assumes savings cover all retirement spending. If you expect Social Security or a pension, set the spending slider to just the gap your savings must fill — your coast number drops a lot.
Keep exploring
The assumptions behind these numbers
Every figure comes from 1,000 simulated market paths assuming a 6% average yearly return in retirement (10% while still saving) with year-to-year swings scaled to those returns, and 3% inflation — so every dollar reads as today’s dollars, and “works” means the money lasts to age 100 in at least 80% of paths.
Social Security, pensions, and taxes aren’t modeled. If you expect income from those, your real answer is better than the one on this page. For exploring, not financial advice.