Calculate when you can stop contributing to retirement accounts and let compound growth reach your target by retirement age.
Coast FIRE asks a narrower question than full financial independence: has enough already been invested that assumed growth alone could reach a chosen retirement balance by a chosen retirement age? The calculator works backward from that future target, discounts it over the years remaining, and identifies when projected savings meet the required coast balance. The common surprise is that a coast date is not a retirement date. It means the model no longer requires new retirement contributions, while employment or other income may still be needed for spending before retirement.
The core quantity is the coast balance: the amount that would need to be invested at a given point so that, with no later contributions, it grows to the retirement target. For an annual return r and n years remaining, the basic relationship is target divided by (1 + r) raised to n. A longer growth period lowers that required balance.
To find when contributions can stop, the projected savings balance at each age is compared with the coast balance required at that age. The first point where projected savings are sufficient is the Coast FIRE point. From there, the result assumes no new retirement deposits and relies on the selected growth assumption through the chosen retirement age.
No. It means the invested retirement balance is projected to reach the selected target without additional retirement contributions. You may still need wages or other income to cover housing, food, insurance, taxes, debt payments, and every other expense between the coast date and the planned retirement age.
Use assumptions that are internally consistent. If the retirement target is expressed in today's purchasing power, an inflation-adjusted return is generally the matching comparison. If both the target and growth rate are nominal future values, keep both nominal. Mixing the two bases can materially distort the required coast balance and date.
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