Find your Coast FIRE number — know when you can stop saving for retirement.
Coast FIRE (Financial Independence, Retire Early) is a popular wealth-building strategy. Once you hit your Coast FIRE number, you can stop saving for retirement — your existing investments will grow to your target by age 65. This calculator helps you find that number using the 4% withdrawal rule and 7% average market returns.
The formula: Coast FIRE Number = (Annual Expenses ÷ 4%) ÷ (1.07)^(65 - Current Age). If your current savings meet or exceed this number, congratulations — you can "coast" and only work to cover living expenses!
It reduces financial stress. You can switch to a lower-paying but more fulfilling job, go part-time, or pursue passion projects — knowing retirement is already secured by compound interest.
❓ What return rate do you use?
7% (historical S&P 500 average after inflation).
❓ What's the 4% rule?
You can safely withdraw 4% of your portfolio annually without running out of money.
❓ What if I'm already over my Coast number?
You've already achieved Coast FIRE! No more retirement saving needed.