Find out when you can stop saving and let compound growth carry you to retirement.
For living off growth
If I keep contributing, when can I stop and let it grow on its own?
How much do I need to save to coast in X years?
Coast FIRE (Financial Independence, Retire Early) is the point where you've saved enough that you no longer need to contribute to retirement accounts. Your existing savings will grow on their own to reach your retirement goal.
Once you reach your coast number, you only need to earn enough to cover your current expenses — no more aggressive saving required. This gives you freedom to:
The key insight: time and compound growth do the heavy lifting once you've built a solid foundation.
First, determine how much you'll need at retirement. This is based on your desired annual spending, adjusted for inflation, divided by your safe withdrawal rate.
Your coast number is the amount that, if invested today with no additional contributions, will grow to your retirement target through compound interest alone.
Once you hit your coast number, you can stop aggressive saving. Just cover your current expenses while your investments grow on autopilot to your goal.
The earlier you start, the less you need to save. A 25-year-old needs far less to coast than a 35-year-old because they have more time for compound growth.
Coast FIRE assumes your money stays invested in growth assets like stocks. Moving to bonds or cash too early can derail your coast plan.
Don't forget that $50,000 today won't buy the same in 20 years. This calculator adjusts your target for inflation automatically.
Consider overshooting your coast number by 10-20%. Markets are unpredictable, and a buffer gives you peace of mind during downturns.
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