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Coast-FIRE Number
Coast-FIRE is the point where you have enough invested that — even if you never contribute another dollar — it will compound to your retirement target on its own. Have you already coasted?
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Your coast number
$131,367
- Gap to coast number$31,367
- Projected portfolio at 65 (no contributions)$761,226
- Target at retirement$1,000,000
- Projected coast age (at current trajectory)~39
- Years to retirement30 yr
Coast number = the lump sum needed today to grow to your target with no further contributions. Formula: target ÷ (1 + return)^years. Does not account for inflation (use a real return rate for inflation-adjusted results) or sequence-of-returns risk.