Coast FIRE Calculator
Find out if your current savings will grow to your retirement goal through compound growth alone — no additional savings needed. The only Coast FIRE calculator with Monte Carlo simulations.
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What is Coast FIRE?
Coast FIRE is the point where your current savings, through compound growth alone, will grow to cover your retirement expenses — without saving another dollar. Once you reach your Coast FIRE number, you can "coast" by earning just enough to cover current expenses, freeing you to take a lower-paying job, work part-time, or pursue passion projects.
Coast FIRE Number = FIRE Number (at retirement) ÷ (1 + Expected Return Rate) ^ Years to Retirement
Coast FIRE FAQ
What's the difference between Coast FIRE and regular FIRE?
Regular FIRE means you have enough saved to cover all expenses through retirement. Coast FIRE means you have enough saved that compound growth alone will get you there by retirement age — you don't need to save any more, but you still need to earn enough to cover current expenses. It's a more achievable milestone that many use as a "pressure relief" point.
Why does Coast FIRE use Monte Carlo simulations?
Traditional Coast FIRE calculators use a fixed return rate, which ignores market volatility. Real markets have good years and bad years. Monte Carlo simulations run 1,000 scenarios with random market returns to show the probability that your savings will actually grow to your FIRE number — giving you a realistic success rate instead of false certainty.
What should I do after reaching Coast FIRE?
After reaching Coast FIRE, you can reduce your savings rate to zero and focus only on earning enough to cover current expenses. Many people use this milestone to switch to a lower-paying but more fulfilling job, go part-time, start a business, or take a sabbatical. Your existing savings will keep growing through compound returns to reach your full FIRE number by retirement.