How Much Do You Need to Stop Saving for Retirement?
Find your Coast FIRE number — the savings balance where compound growth alone will fund your retirement, with no further contributions needed.
Hit your Coast FIRE number and your money does all the retirement saving for you.
25×
annual expenses is the standard FIRE target — the 4% safe withdrawal rate rule
7%
inflation-adjusted historical S&P 500 return — the standard Coast FIRE assumption
< 40
is the average age at which people hit Coast FIRE when starting to invest in their 20s
Understanding Coast FIRE
What 'coasting' means
Once you hit Coast FIRE, you no longer need to direct every spare dollar into retirement savings. You can take a lower-paying job you love, reduce hours, or simply stop the monthly investing grind — your future is already funded.
Compound growth does the heavy lifting
The earlier you hit Coast FIRE, the more powerful it becomes. $100,000 at age 30 at 7% return becomes over $1.4M by age 65 without adding a single dollar. Time is the multiplier that makes coasting possible.
Compare to your current savings
Use this calculator alongside your current portfolio value to see how close you are. If you have $80K saved and your Coast FIRE number is $120K, you might be just 2–3 years of focused saving away from financial breathing room.
How the Coast FIRE Calculator Works
Enter your current savings, your FIRE target (typically 25× annual expenses), your expected annual return, and the number of years until retirement. The calculator uses the present value formula to find the lump sum needed today to compound to your target — your Coast FIRE number.
It also shows what your current savings will grow to, letting you see the gap (or surplus) between where you are now and where you need to be to start coasting.