Find out when your current investments can grow to your Freedom Number without additional contributions.
01 · Inputs
Adjust to see your Coast FIRE progress update instantly.
Default 4% (Trinity study)
After inflation. Default 5%
02 · Result
Freedom #
$1.2M
Required
$218k
Years Left
35
$1,200,000
$217,548
$50,000
$275,801
$924,199
35 yrs
Projected ages your current portfolio (no new contributions) reaches each share of your Freedom Number.
Age 67
~2063
Age 81
~2077
Age 90
~2086
Age 96
~2092
Required Coast FIRE portfolio today at different return and retirement-age assumptions.
| Retirement age | 3% return | 5% return | 7% return |
|---|---|---|---|
| Age 55 | $573,127 | $354,363 | $221,099 |
| Age 60 | $494,384 | $277,653 | $157,641 |
| Age 65 | $426,460 | $217,548 | $112,396 |
| Age 70 | $367,868 | $170,455 | $80,136 |
How much you'd need invested today to coast to a $50,000/yr retirement at age 65 (4% withdrawal, 5% real return).
Age 25
$177,557
to coast to $1,250,000
Age 35
$289,222
to coast to $1,250,000
Age 45
$471,112
to coast to $1,250,000
Age 55
$767,392
to coast to $1,250,000
Coast FIRE is a milestone within the FIRE (Financial Independence, Retire Early) movement. You've reached Coast FIRE the moment your invested portfolio is large enough that, with no further contributions, compound growth alone will carry it to your full Freedom Number by your target retirement age. You still earn money to cover today's expenses — you just stop saving for retirement.
Traditional FIRE requires a portfolio that funds your full lifestyle today (typically 25× annual expenses). Coast FIRE only needs a fraction of that, because you're giving compounding 10, 20, or 30 years to do the heavy lifting. It's a powerful early-career milestone that buys flexibility long before full FI.
Coast FIRE is the point where your existing investments are large enough to grow into your full financial-independence number by retirement, without needing any additional contributions. You still cover your day-to-day expenses, but you no longer need to save aggressively.
Traditional FIRE focuses on saving aggressively until your portfolio can fully fund your lifestyle today. Coast FIRE only requires that compounding alone will get you to that number by your target retirement age — giving you flexibility long before you fully retire.
Coast FIRE Number = (Annual Expenses divided by Safe Withdrawal Rate) divided by (1 + real return) raised to the power of years to retirement. It is the present-day portfolio that will compound into your full Freedom Number by retirement.
Most planners use a 5% real (inflation-adjusted) return for diversified equity portfolios. Use 3% for conservative scenarios and 7% for optimistic ones, and always stress-test with the sensitivity table.
Using nominal instead of real returns, ignoring taxes on withdrawals, underestimating future expenses, forgetting healthcare costs, and assuming a 4% withdrawal rate works for very long horizons of 40 or more years.
Not yet. Coast FIRE means you no longer need to save for retirement, but you still need income to cover today's living expenses. Full retirement requires reaching your complete Freedom Number (typically 25x annual expenses).
Learn what Coast FIRE means, how it differs from traditional FIRE, and the assumptions behind coasting to financial independence before making important financial decisions.