Coast FIRE is the point where you can stop investing entirely and your portfolio will grow on its own to fund full retirement at a normal age. It's the first major milestone on the path to financial independence.
Enter your details to find your Coast FIRE number
Coast FIRE is the portfolio size at which — if you never invested another penny — compound growth alone would reach your FIRE number by your target retirement age. Once you hit your Coast number, you only need to earn enough to cover current living expenses. No more aggressive saving required.
Example: FIRE number $1,000,000, retirement at 60, current age 35, 7% return.
Coast Number = $1,000,000 ÷ (1.07)^25 = $184,249
Once you have $184,249 invested at 35, compound growth at 7% will turn it into $1,000,000 by age 60 — even if you never add another dollar.
It's the first genuinely meaningful milestone. Before Coast FIRE, every month you don't invest sets you back. After Coast FIRE, you have breathing room — you can take a lower-paying job you love, work part-time, or take career risks without the anxiety of derailing retirement.