CALCULATOR
Coast FIRE Calculator
There's a point where you've saved enough that compounding handles the rest. You could stop contributing entirely - and still retire on time. That's your Coast number.
Based on the 4% safe withdrawal rate. Not financial advice.
Your Numbers
What you plan to spend monthly in retirement
YOUR COAST NUMBER
what you need invested today to coast to retirement
COAST AGE
FULL FIRE NUMBER
GAP TO COAST
YEARS TO COAST
PROGRESS TO COAST NUMBER
0%Portfolio Growth Path
What Hitting Coast FIRE Actually Changes
Once you've hit your Coast number, your retirement is funded. You still need income for living expenses - but it doesn't have to come from a high-pressure career. You can take a lower-stress job, go part-time, freelance, or try something risky without betting your retirement on it.
Barista FIRE is a Coast FIRE variant where you cover living expenses with a low-key job - often part-time or for the health insurance - while the portfolio compounds untouched. The job doesn't have to be glamorous. It just has to cover the bills without requiring everything you've got.
Your Coast number is always lower than your FIRE number - sometimes dramatically lower. Many people are closer to financial independence than they think, just in a form they hadn't named yet.