Coast FIRE calculator
Coast FIRE is the point where your invested savings, left alone, grow into a full retirement by a traditional retirement age. Past it, working covers your bills — not your future.
Real (after inflation)
With $249,274 invested today, growth alone at 5.0% real reaches your FI number of $1,375,000 by age 65 — no further contributions needed.
$174,274 to go. Once you cross it, saving becomes a choice instead of a requirement.
Why the coast point matters
Most people picture retirement saving as a grind that lasts until the last working day. The math says otherwise: because compounding does more work the longer it runs, money invested in your 20s and 30s is worth several times money invested in your 50s. Cross your coast number early and the hardest part of the climb is behind you.
It's also a useful downshift marker — a point where switching to part-time work, a lower-stress job, or a passion project doesn't endanger retirement at all.