CoastFI Calculator

Find the number where you can stop saving — and let your investments do the rest.

What is CoastFI? It's the point where your invested savings are large enough that, even if you never contribute another dollar, they will compound on their own to your full FIRE number by your target retirement age. Once you hit CoastFI, you only need to earn enough to cover your living expenses — no more saving required. That means you could work part-time, switch to a lower-paying job you enjoy, or just have much more breathing room.
Safe Withdrawal Rate at Retirement
4.0% = save 25x expenses
2%3%4%5%6%7%8%

Your Numbers

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What you plan to spend each year in retirement
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What you spend today (may differ from retirement)
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401k, IRA, brokerage, etc.
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When you want to stop working entirely
%
Real (inflation-adjusted). ~7% is typical for stocks.
$
Rental income, dividends, side income, etc.
$
If this continues in retirement it reduces your FIRE number (leave 0 if unsure)