Find the magic number you need invested right now so compound interest alone carries you to your retirement goal — no additional contributions required. Adjust any input; results update instantly.
Assumes no additional contributions — purely compound growth from your current portfolio.
Coast FIRE is the point at which your invested assets are large enough that — even if you never invest another dollar — they will grow on their own to support traditional retirement by the time you reach your target retirement age.
Once you hit Coast FIRE, you only need to cover your living expenses. You can take a lower-paying job you love, reduce your hours, or simply stop stressing about savings.
Coast FIRE = Retirement Target ÷ (1 + r)^yearsWhere r = expected annual return and years = years until retirement.
We may earn a commission if you open an account through these links, at no extra cost to you. We only recommend services we'd use ourselves.
Build the portfolio that will coast to your retirement target with low-cost index funds.
Why we recommend it: Minimal fees mean more of your money compounding over the long runway.
Once you reach Coast FIRE, park your freed-up cash in a high-yield account earning 5%+.
Why we recommend it: Your spending money should earn competitive interest while your investments grow.
Track spending to confirm you only need to cover current expenses — the Coast FIRE premise.
Why we recommend it: Real data beats guesses when deciding whether you can stop saving.
Coast FIRE is the point where your current investments, with no additional contributions, will grow to support a traditional retirement by your target age through compound growth alone.
Regular FIRE means you have enough to stop working entirely. Coast FIRE means you only need to earn enough to cover current expenses — you no longer need to save for retirement.
Mathematically, yes — but only if your assumptions hold. Market returns, inflation, and your target retirement age all affect whether Coast FIRE actually works as planned.
Paste the snippet below onto any page, blog post, or docs site. The calculator renders inline, works on mobile, and links back to The FIRE Pathway at the bottom. No account, no API key, no ads inside the iframe.
<iframe
src="https://www.thefirepathway.com/embed/coast-fire-calculator"
width="100%"
height="1500"
style="border:0;max-width:960px;display:block;margin:0 auto;"
title="Coast FIRE Calculator — The FIRE Pathway"
loading="lazy">
</iframe>Licensed for free use with the attribution link intact. If you'd like a customized version (different default inputs, white-label theming, or a webhook on result changes), email us at hello@thefirepathway.com.
This calculator is for educational and informational purposes only. It does not constitute financial, investment, tax, or legal advice. Investment returns are not guaranteed; past performance does not predict future results. Please consult a qualified financial professional (CFP, RIA, or CPA) before making investment decisions. Read our full disclaimer.