Coast FIRE is the point where the money you have already invested will, on its own, compound up to your full retirement number by your target age, with no further contributions. Once you are past it you can stop saving and work only to cover today's costs, while the pot grows into your future number by itself.

How is the Coast FIRE number calculated?

You start from your full FIRE number, your yearly spending divided by a safe withdrawal rate, and discount it back to today at your assumed real return over the years until your target age. That discounted figure is your Coast number: the amount that, left untouched, should grow into the full number by then. More years to grow means a smaller Coast number today.

You are Coast FIRE once your current invested pot is at or above your Coast number. Equivalently, if your pot grown forward at your real return reaches your full FIRE number by your target age without any further contributions, you are coasting. This calculator shows both figures so you can see how close you are.

What is the risk of Coast FIRE?

Coast FIRE leans its whole weight on the market delivering close to its assumed real return over your remaining years. A weak decade, or a poor run of returns just after you stop contributing, can leave the pot short, and you are no longer saving to close the gap. It trades certainty for time, which can be a fine trade as long as you know you are making it.

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Coast FIRE Calculator

Can you stop saving yet?

Coast FIRE is the moment your invested money will grow into your full retirement number on its own. Find your Coast number, and see whether you're already there.

Currency

Your age today

yrs

Target retirement age

yrs

Invested so far

Yearly spending in retirement

Expected return — after inflation (real)

5.0%

Withdrawal rate — the 4% rule

4.0%

Keep saving

Coast FIRE number, today

kr 2,400,000

Invest this much and you could stop adding, and still coast to your full number by 65.

Full FIRE numberkr 10,500,000

Your pot grows to by 65kr 3,900,000

Progress to Coast38%

How this is worked out

Your full FIRE number is yearly spending divided by the withdrawal rate. Discount it back to today at your real return over the years to your target age and you get the Coast number: the pot that, left alone, grows into the full number by then.

You're coasting once your invested pot reaches that Coast number. It assumes the market delivers close to your real return, and ignores tax and pensions. Not tax advice.

What Coast FIRE means

Coast FIRE is a threshold, not a finish line. You reach it the day the money already in your investments will, on its own, compound up to your full retirement number by your target age, with zero further contributions. From then on the saving job is done: you keep working, but only to cover today's rent and groceries, not to feed the pot. It's one of the types of FIRE, and often the most freeing to hit first.

How the Coast number is found

You work backwards. Start from your full FIRE number, your yearly spending divided by a safe withdrawal rate, then discount it back to today at your assumed real return over the years until your target age. The further off that age, the more years compounding has to run, so the smaller the slice you need invested right now. Change the return and the number moves, so treat it as a feel for where you stand, not a promise. There's a fuller walk-through in the Coast FIRE guide.

Coast FIRE vs Barista FIRE

They overlap but aren't the same. Coast FIRE is about the pot: you've invested enough to stop saving and let it grow. Barista FIRE is about income: you semi-retire and keep some part-time work to cover costs so you don't touch the pot yet. You can be both at once.

Find the exact age you can stop saving

Runway has a Coast solver that finds the age you can stop saving from your real figures, applies your country's tax and pension rules, and shows it against your full number. It launches on the App Store on 25 August 2026, and the beta is open now.

Runway has a Coast solver that finds the age you can stop saving from your real figures, applies your country's tax and pension rules, and shows it against your full number. Your freedom age is free, forever.

Try the beta on TestFlight Download free on the App Store

Frequently asked

What is Coast FIRE?+

Coast FIRE is the point where the money you have already invested will, on its own, compound up to your full retirement number by your target age, with no further contributions. Past it, you can stop saving and work only to cover today's costs while the pot grows into your future number by itself.

How is the Coast number calculated?+

Start from your full FIRE number, spending divided by the withdrawal rate, and discount it back to today at your real return over the years to your target age. That discounted figure is your Coast number. More years to grow means a smaller number today.

Am I Coast FIRE yet?+

You're coasting once your invested pot is at or above your Coast number, equivalently, once your pot grown forward at your real return would reach the full FIRE number by your target age with no more contributions. This calculator shows both, so you can see how close you are.

What's the risk?+

Coast FIRE leans on the market delivering close to your assumed real return over the remaining years. A weak decade, or a bad run right after you stop contributing, can leave the pot short while you're no longer saving to close the gap. It trades certainty for time.

Built by Dylan, maker of Runway

Italian, in Norway about eight years, building the cross-border FIRE planner that didn't exist for someone like me. This calculator is an educational tool, not financial or tax advice.