Calculate exactly how much you need to save now to coast into retirement without ever contributing again. Harness the power of compound interest for true financial freedom.
Enter your information below to discover your personal COAST FIRE number and see if you're already on track to financial independence.
Real return rate (after inflation). Conservative: 4%, Optimistic: 6-7%
Traditional: 4%, Conservative: 3.5%
This is how much you need to save to coast into retirement.
13% Complete
Years until retirement: 35
A simple three-phase approach that transforms your relationship with work and money
Save aggressively for 5-15 years early in your career. This might mean living on 30-50% of your income while investing the rest in low-cost index funds. The earlier you start, the less you need to save total.
Example: Save $4,000/month from age 25-35
Once you hit your target number, stop contributing to retirement accounts entirely. Your money grows through compound interest while you enjoy career flexibility - take risks, pursue passions, or work less stressful jobs.
Example: $480,000 grows to $1.5M over 30 years
At traditional retirement age, your investments have grown enough to support your desired lifestyle. Withdraw 3.5-4% annually and enjoy the retirement you planned decades earlier.
Example: Withdraw $60,000/year from $1.5M portfolio
A smarter, more sustainable approach to financial independence
Save aggressively early in your career when you have fewer obligations, then let compound interest do the heavy lifting for decades to come.
Once you hit your number, pursue passion projects, lower-stress jobs, entrepreneurial ventures, or geographic arbitrage without retirement anxiety.
Know your retirement is secured through mathematical certainty, regardless of future career changes, market volatility, or life circumstances.
See how COAST FIRE works across different ages and income levels
Software Developer, $75,000 salary
By saving aggressively for 10 years, Sarah can stop contributing and still retire with $1.25M at 65.
Marketing Manager, $85,000 salary
Starting later requires higher savings rates, but Mike can still achieve COAST FIRE and career freedom by 40.
Nurse, $65,000 salary, $80k saved
Even starting at 35 with some savings, Lisa can reach COAST FIRE by 47 and enjoy career flexibility.
Get quick answers to the most frequently asked questions
Everything you need to know to succeed with COAST FIRE
Complete guide to understanding COAST FIRE and how it differs from traditional FIRE strategies.
Learn More →Step-by-step guide to calculating your personal COAST FIRE number with detailed examples.
Calculate →Compare COAST FIRE with other FIRE strategies to find the best approach for you.
Compare →See how much you need to save by age 25, 30, 35, and beyond to achieve COAST FIRE.
View Ages →Proven strategies to accelerate your path to COAST FIRE through higher savings and smart investments.
Accelerate →Get answers to the most common questions about COAST FIRE planning and implementation.
Read FAQ →Success stories from people who transformed their lives with COAST FIRE
Teacher, Age 41
"I reached my COAST FIRE number at 38 after saving 55% of my income for 12 years. Now I teach part-time, travel during summers, and never worry about retirement. The freedom is incredible."
Software Engineer, Age 33
"Hit my COAST number at 32 by living in a low-cost area and saving $60k annually. Now I work on passion projects and side businesses without retirement stress. Best decision ever."
COAST FIRE isn't theoretical - it's a proven strategy that real people use to escape the traditional work-until-65 mindset. These stories show what's possible when you harness the power of compound interest early in your career.
Download our free COAST FIRE planning guide and get exclusive updates on strategies to reach financial independence.
Free guide includes COAST FIRE worksheet and retirement tracker