Your personal AI for understanding and tracking your personal finance.
Your personal AI for understanding and tracking your personal finance.
Coast FIRE is the moment your savings will compound to your full FIRE number — with zero more contributions. Find your number below, then let Richify build the plan to get there.
🔥 FIRE number
$1,350,000
$4,500/mo × 12 ÷ 4%
⛰️ Coast FIRE number
$177,346
Saved today, this coasts to your goal
You need $57,346 more to Coast FIRE
Once you reach $177K, compounding alone carries you to your goal by age 60.
Your $120K alone projects to $913K by age 60. You need $1.35M. Assumes 7% real return. Not a guarantee.
Richify turns your number into a month-by-month plan — and tracks it automatically as markets move.
How much you need saved today so compound growth alone reaches your FIRE target by 65 — at three common FIRE numbers. Assumes a 7% real (inflation-adjusted) return.
Assumes 7% real annual return and retirement at age 65. Use the calculator above for your personalized number.
Coast FIRE (Financial Independence, Retire Early) is the milestone where your invested savings are large enough that compound growth alone — with no additional contributions — will reach your full retirement target by a set age. Once you hit Coast FIRE, you only need to earn enough to cover current living expenses. Your portfolio does the heavy lifting from there.
The term “coasting” comes from coasting downhill — you've done the hard climbing (saving), and momentum (compounding) carries you the rest of the way. Coast FIRE is one of five FIRE variants alongside Lean FIRE, Regular FIRE, Fat FIRE, and Barista FIRE.
Coast FIRE = FIRE number ÷ (1 + return)^yearsFind your FIRE number: Annual expenses ÷ safe withdrawal rate. At $54K/yr and a 4% SWR → $1,350,000.
Pick your retirement age: How many years until you want to stop working — that's your compounding window.
Divide by compound growth: $1,350,000 ÷ (1.07)^30 = $177,346 needed today at age 30, retiring at 60.
Compare to current savings: If you already have that invested, you've hit Coast FIRE. If not, the app builds your monthly plan.
Coast FIRE means you've saved enough in your retirement accounts that, even if you never contribute another dollar, compound growth alone will carry your portfolio to your full FIRE number by your traditional retirement age (typically 60-67). Once you hit Coast FIRE, you only need to earn enough to cover current living expenses — no more saving required.
Coast FIRE number = Full FIRE number ÷ (1 + real return rate)^(years until retirement). Example: FIRE target $1.5M, retiring in 30 years at 7% real return → $1,500,000 ÷ (1.07)^30 = $197,000. If you have $197,000 saved today, it will grow to $1.5M by retirement without another contribution.
Your Coast FIRE number is the minimum portfolio size needed today so that compound interest alone reaches your full FIRE target by retirement — with zero additional savings. It shrinks the longer you have until retirement: at 7% real returns, $100K at age 25 becomes $1.5M by 65. Your Coast FIRE number rises sharply as you get closer to retirement.
Full FIRE means your portfolio is large enough to support your expenses indefinitely right now. Coast FIRE means your portfolio will grow to that point on its own by a future date. If your FIRE number is $1.5M at age 60 and your investments will compound to $1.5M by then without additional contributions, you've hit Coast FIRE — even if your current portfolio is only $400K.
A common assumption is 6-7% real (inflation-adjusted) return for a globally-diversified equity index portfolio. Canadian portfolios typically blend the S&P/TSX Composite, S&P 500 and a developed-ex-North-America index (e.g., a VEQT or XEQT all-in-one ETF). Conservative estimates use 5%; aggressive use 7-8%. Lower assumed real returns mean you need more saved today to reach Coast FIRE — the calculator above shows projections only, not guarantees.
Yes — any registered Canadian account (RRSP, TFSA, FHSA, RESP) counts toward your Coast FIRE number, as does a non-registered investment account. The key insight is that money already invested will compound regardless of further contributions. Once you hit Coast FIRE you can stop contributing entirely, shift to lower-stress work, or reallocate the savings into current lifestyle — your retirement funds grow on autopilot inside the tax shelter.
Coast FIRE means your saved investments will compound to your full FIRE target without more contributions — you just need to cover current expenses from income. Barista FIRE means you work a low-stress part-time job (like a barista) whose income plus employer benefits partially covers current expenses, while your portfolio also grows. Both eliminate the need to save aggressively; Barista FIRE often includes employer health insurance as a key benefit.
Yes — especially for those who start investing early. Saving $100K by age 25 and investing in a broad index fund at 7% real return reaches $1.5M by age 65 without another contribution. The challenge is saving the initial Coast number, not the decades of growth. Most people can reach Coast FIRE in their 30s or early 40s with consistent early saving.
After hitting Coast FIRE you can: (1) stop contributing to retirement and spend all income on current lifestyle, (2) take a lower-paying but more fulfilling job since savings pressure is gone, (3) work part-time (Barista FIRE style), or (4) keep contributing and reach full FIRE earlier. Many Coast FIRE achievers reduce hours or change careers rather than stop working entirely.
FIRE Calculator Canada →
Full FIRE number + timeline with the 4% safe-withdrawal rule and OAS-clawback-aware withdrawals.
FatFIRE Calculator Canada →
$3M+ FatFIRE for $100K/yr lifestyles in Toronto, Vancouver, or Calgary. RRSP/TFSA split + provincial tax.
TFSA Calculator →
Project tax-free TFSA growth — the dominant Coast FIRE building block for Canadians under 65.
RRSP Contribution Calculator →
Your exact RRSP room — 18% of earned income up to the 2026 $33,810 cap, with carry-forward.
Net Worth by Age Canada →
See how your savings compare to Canadian percentiles by age band (StatCan SFS 2023 data).
Net Worth Calculator Canada →
Add all assets and liabilities — get your full net worth to plug into Coast FIRE.
Add your RRSP, TFSA, FHSA and investment accounts once — Richify recalculates your Coast FIRE progress as markets move. Free on iOS and Android.
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