Coast FIRE Guide
What is Coast FIRE?
Coast FIRE is the point where your existing investments will grow — with no additional contributions — into a full FI portfolio by your target retirement age.
The idea
Once you hit your Coast FIRE number, compounding does the rest. You still need to cover your current living expenses, but you no longer need to save for retirement. Any income above expenses becomes optional.
How to calculate it
Divide your future FI number by (1 + expected real return) ^ years remaining. For example, needing $1M in 25 years at a 6% real return implies a Coast FIRE number of about $233,000 today.
Why people choose it
Coast FIRE unlocks career flexibility years before full FI: switching to lower-paying meaningful work, going part-time, or freelancing without derailing retirement.