Tools · Coast FIRE
Have you already saved enough to coast?
Coast FIRE is the moment your invested savings will grow into a full retirement on their own — no more contributions needed. Hit it, and you only have to cover today's bills.
Coast FIRE assumes steady real returns that never actually arrive in a straight line — treat it as direction, not destiny. Education, not financial advice. How we calculate.
Frequently asked questions
What is Coast FIRE?
Coast FIRE is the point where your existing investments will grow into a full retirement nest egg on their own — with no new contributions — by traditional retirement age. After that, you only need to earn enough to cover current expenses.
How is Coast FIRE calculated?
Take your future FIRE number and discount it back to today using your expected real return and the years until retirement. If your current invested savings already meet that present-value figure, you've reached Coast FIRE.
Coast FIRE vs Barista FIRE — what's the difference?
Coast FIRE means you stop investing but keep working to cover today's costs. Barista FIRE means you cover part of your expenses with light or part-time work while a partial portfolio handles the rest.
Can I retire once I hit Coast FIRE?
Not immediately — Coast FIRE means your retirement is funded for the future, but you still need income for present-day living costs until your investments mature. It removes the pressure to keep saving, which is often enough to leave a high-stress job.