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Coast FIRE is the point where your investments will grow into a full retirement on their own — no more saving needed. Answer five questions and find out how close you are.
Your $160,000 is on track to grow to about $1.1M by 65 with no more saving. Invest about $22,733 more today and you can stop saving for retirement entirely.
Once your retirement is funded, contributions stop being a requirement and become a choice — a bigger cushion, or an earlier exit. Here is what your monthly saving buys you.
Coast FIRE is compound growth run backwards. Take your FIRE number — annual spending × 25 — and discount it back to today at your expected real return. If your current investments already clear that number, you're coasting; if not, the gap is what you'd invest today to get there.
coastNumber = fireNumber / (1 + r)nr is your real (after-inflation) return and n is the years until retirement. We also grow your current balance forward with no contributions (the coast path) and, for the comparison, with your monthly contributions added.
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