When can you stop contributing and still hit FI?
Coast FIRE is the moment your portfolio compounds to full freedom on its own. We calculate yours.
Same FIRE math as the main calculator. Nothing is saved.
Same math, different question.
Coast FIRE is the moment you can stop contributing. Your portfolio is large enough that 7% real growth alone carries you to full retirement by your target age.
The math: take your desired retirement spend, multiply by 25 to get the FI target, then discount that back to today using compound growth. The number you get is your coast number.
The result shows your coast number in todays dollars and how many years until you hit it at your current savings rate. Once you hit it, you can downshift to a lower-stress job, take a sabbatical, or keep saving and retire early.
Coasting plan templates
Get a 6-step roadmap for your number.
Try the same math from another angle.
Want the original five-question version with a shareable result?
7% real return (historical US equity average). 4% safe withdrawal rate (Trinity Study). Freedom number = target annual spend × 25. Variant inputs adjust expenses or savings, then the same math runs. Taxes (beyond the moving-states variant) and Social Security are not modeled.