See whether you've hit Coast FIRE — the point where today's investments will grow to your retirement number on their own, with no more contributions.
Coast FIRE assumes you still cover current expenses from income (no new investing) while the nest egg compounds. Constant real return assumed; markets vary. General information, not advice.
Coast FIRE is the moment your invested money is enough that, left alone to compound until retirement, it reaches your number without another dollar added. You still work to cover today's bills — but you can stop investing.
Coast number = retirement number ÷ (1 + return)ʸᵉᵃʳˢ ᵗᵒ ʳᵉᵗᶤʳᵉ
Full FIRE means you can stop working entirely. Coast FIRE means you can stop saving — a much earlier, lower bar that still buys huge flexibility.
More years to retirement means more compounding, so the amount you need today is smaller. Starting young makes Coast FIRE surprisingly reachable.
Related: FIRE calculator · compound interest calculator · retirement savings calculator · all free calculators.
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Browse all 300+ free calculators →Yes. The Coast FIRE Calculator is completely free, runs in your browser, and never asks for a signup, email, or download. Enter your numbers and the result updates instantly.
It uses standard formulas and recalculates the moment you change a value, so the math is exact for the inputs you enter. Treat the result as a reliable planning estimate; for decisions with legal or tax consequences, confirm the figures with a qualified professional.
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Last reviewed: September 2026. Free to use, no signup — Coast FIRE Calculator by ToolWise Digital.
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