◆ The Artifacts Lab Open the full Retirement Calculator →

Coast FIRE calculator — the point you can stop saving

Retirement Calculator · free · no signup

The point where you can stop saving hard

Coast FIRE is the liberating one: instead of racing to a full retirement number, you save hard early, then coast — your existing pot grows on its own to cover retirement, and you only need to earn enough to pay today's bills. The catch is knowing the exact point you've hit "coast", because before it you're still on the hook, and after it you've bought yourself a lot of freedom.

That's what this works out: put in your age, what you've already invested and when you want to retire, and it shows whether your current savings, left alone to compound, would get you there without adding another dollar. Try it — and if you're not quite at coast yet, nudge the numbers to see how much more you'd need to stop the heavy saving. It's often less than people expect (compounding does the boring, brilliant work in the background).

▶ Live Retirement Calculator — pre-filled for this scenario Open full screen →

Common questions

What's the difference between Coast FIRE and regular FIRE?
Regular FIRE means you've saved enough to stop working entirely. Coast FIRE means you've saved enough that you can stop saving for retirement — your pot will grow to the target on its own — while still working to cover current expenses.
How is Coast FIRE calculated?
You take your target retirement number, then work backwards using an assumed growth rate to see how much you'd need invested today for it to compound to that target by your retirement age. Put your own figures in above rather than relying on a generic example.
Part of The Artifacts Lab — privacy-first tools for money, health and daily life. No bank login, no subscription.