Coast FIRE Calculator

Mathematically yes for retirement — assuming markets return your assumed rate. In practice most people keep saving something as a buffer against sequence risk, spending creep, or lower returns.

7% nominal with 3% inflation (≈3.9% real) is a common planning pair for diversified stock portfolios. More conservative planners use 5–6% nominal.

For 30-year retirements it has historical support; for 40–50-year retirements many researchers prefer 3.25–3.5%. A lower rate raises your coast number, so test both.

This calculator excludes them. If you expect benefits, your true coast number is lower — treat this result as conservative.

Use the retirement figure — often 70–80% of working spending after mortgage payoff and work costs. Lower spending lowers the target and the coast number proportionally.

Once a year, or after major life events. Market moves change your savings; inflation shifts change the real return; plan changes move both target and timeline.

Coast FIRE assumes no more retirement saving and full self-funding later. Barista FIRE pairs a smaller nest egg with part-time income that covers current expenses and some retirement costs.

You can, but lower expected returns raise the coast number sharply. Coast FIRE math rewards long equity-heavy horizons early in life.