Coast FIRE is the point where your existing savings will compound to your full FIRE number — without adding another dollar. Find out how close you are.
🔥 FIRE Number
$1,350,000
$4,500/mo × 12 ÷ 4%
Coast FIRE Number
$177,346
Need this saved today to coast
Your Progress
68%
of Coast FIRE
Here's how much monthly saving gets you there at different target ages:
Coast at 35 (5yr)
$1,123/mo
Coast at 33 (3yr)
$1,759/mo
Coast at 31 (1yr)
$4,951/mo
Felix creates a personalised savings plan that coordinates your 401(k), IRA, and HSA contributions to reach Coast FIRE as fast as possible.
Build Your Coast FIRE Plan — FreeCoast 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.
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 7% real (inflation-adjusted) return for a US stock index fund. This is based on historical S&P 500 returns minus inflation. Conservative estimates use 5-6%. The actual return you achieve will vary — this calculator shows projections, not guarantees. Lower assumed returns mean you need more saved to reach Coast FIRE.
Yes — any tax-advantaged retirement account (401k, IRA, Roth IRA) counts toward your Coast FIRE number. The key insight is that the money already saved will compound regardless of further contributions. Coast FIRE lets you shift to lower-stress, lower-paying work while your retirement funds grow on autopilot.
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.
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 7% real (inflation-adjusted) return for a US stock index fund. This is based on historical S&P 500 returns minus inflation. Conservative estimates use 5-6%. The actual return you achieve will vary — this calculator shows projections, not guarantees. Lower assumed returns mean you need more saved to reach Coast FIRE.
Yes — any tax-advantaged retirement account (401k, IRA, Roth IRA) counts toward your Coast FIRE number. The key insight is that the money already saved will compound regardless of further contributions. Coast FIRE lets you shift to lower-stress, lower-paying work while your retirement funds grow on autopilot.