Find out if you've saved enough that compound growth alone will carry you to retirement — without investing another dollar. Coast FIRE means work becomes optional for saving.
Coast FIRE is the point at which you have accumulated enough in investments that — even if you never contribute another dollar — compound growth will grow your portfolio to your full FIRE number by your target retirement age.
Once you've reached Coast FIRE, you only need to earn enough to cover your current living expenses. You can work a lower-stress, lower-paying job. You can take career breaks. You can freelance. The financial pressure of aggressive saving is lifted.
Coast FIRE Formula:
Example: Full FIRE number $1,500,000. Retirement in 25 years at 7% real return. Coast FIRE = $1,500,000 ÷ (1.07)^25 = $277,000.
Once you've hit Coast FIRE, you never have to aggressively save again. Just cover your expenses and let time do the work.
Your Coast FIRE number could be 20–40% of your full FIRE number if you're young. Many people have already hit it without realising.
Knowing your retirement is "locked in" — regardless of future earnings — dramatically reduces financial stress and opens up career and lifestyle choices.
Our simulator doesn't assume a fixed 7% return. It runs 1,000,000 scenarios with real market volatility to give you the probability your coast plan actually works.
Enter your details and find out if compound growth can carry you to retirement from here — or how close you are to reaching that point.
⚡ Find My Coast FIRE Number