Financial glossary
Coast FIRE
In plain English
The point when existing retirement investments may grow to a future target without additional contributions, given the assumptions used.
Coast FIRE
Coast FIRE is the point at which existing retirement investments may grow to a target retirement balance without additional contributions, assuming enough time and the selected rate of return.
It does not necessarily mean someone can stop working today. Current living costs still need funding until retirement, and the projection can fail if returns are lower, inflation is higher, fees are larger, or retirement spending changes. Many people use Coast FIRE to reduce future saving pressure or choose more flexible work rather than retire immediately.
The Coast FIRE calculator shows the amount required today, the future target, and the contribution needed when current savings fall short.
Related calculators
- Coast FIRE CalculatorCalculate the retirement balance needed today to coast without new contributions, using spending, retirement age, return, inflation, and withdrawal rate.
- FIRE CalculatorCalculate how many years until financial independence based on your savings rate, using the 4% rule. See how saving more moves your FIRE date.
- Retirement CalculatorProject your retirement savings with employer match, annual raises, and inflation. See your nest egg in today's dollars, year by year.