Coast FIRE is the point where compounding takes over: enough invested today that growth alone reaches your number by retirement. See your coast number, the age you could stop contributing, and the odds it lasts — updating as you type.
Your Coast FIRE number today
$117,079
grows to $1,250,000 by 65 untouched
You could stop saving at
Age 37
≈ 2032 · ~6 more yrs of saving
Money lasts to 95
74%
of 1,000 simulations
Keep contributing past 37 instead (the dashed line) and you'd reach 65 with ≈$1,579,975 more.
1,000 simulated futures · contributions stop at the green dot · drawn down from age 65 to 95 · dashed: if you kept contributing
Not financial advice — a projection from your own assumptions.
Coast FIRE (sometimes CoastFI) is the milestone where your portfolio no longer needs you. Once your invested balance clears the coast number, compound growth alone carries it to your full FIRE number by your chosen retirement age — every dollar you save past that point is optional. You still work to pay today's bills, but the “save hard for retirement” phase is over, which is why many people treat Coast FIRE as the first finish line worth celebrating: it usually arrives decades before full financial independence.
The coast number is your FIRE number discounted back to today at your expected real return:
coast number = FIRE number ÷ (1 + real return)years until retirement
Worked example: spending $50,000 a year at a 4% withdrawal rate means a $1,250,000 FIRE number. A 30-year-old retiring at 65 with a 7% real return needs $1,250,000 ÷ 1.07³⁵ ≈ $117,079 invested today to coast the whole way. The calculator compounds monthly (a geometric monthly rate, so 12 months equals the annual rate exactly) and additionally solves the earliest month you could stop contributing given what you actually save — every formula is on the methodology page.
Both are ways to downshift before full financial independence, and they cut different things. Coast FIRE cuts the saving: you keep your full income and stop contributing. Barista FIRE cuts the job: part-time income covers part of your spending while the portfolio funds the gap — which shrinks the number you need. If you're weighing the part-time route, the Barista FIRE calculator computes that smaller number, and the full FIRE calculator answers the classic “when can I retire outright” question.
Beyond a one-time estimate
Save the plan and your coast status re-checks itself against your real accounts as markets move — free.
Runs on your real money
Link a brokerage with Plaid or drop in a CSV, and this exact chart tracks your actual balances — updating as markets move and you invest. No more re-typing estimates.
Tells you if you’re on track
Your Readiness score re-runs this Monte Carlo on your real net worth and answers what matters: on track for your age, will it last, is your emergency fund covered.
Your whole net worth, in one place
Investments, cash, property and debts together — with a savings rate pulled from your real deposits and your dividend income counted. All free.
Same math here and inside — every formula is hand-checkable on the methodology page.
More free calculators
Weighing up the options? See how the best FIRE calculators compare.
Your coast number moves with the market.
Link your brokerage or drop in a CSV, and Fire Horizon re-checks whether you're still coasting on your real balances — every day, for free.
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