Coast FIRE is the moment your invested savings are large enough to grow into a full retirement on their own. No further contributions needed. Enter your numbers to see if you're already coasting.
Coast FIRE is the point where you've saved enough that compound growth alone will carry you to a full retirement by your target age. You stop needing to save for retirement, though you still work to cover today's bills. It's a milestone many people hit decades before traditional retirement, and reaching it changes how much pressure you feel about every paycheck.
Start with your full FIRE number: annual retirement spending divided by your safe withdrawal rate. At a 4% withdrawal rate, $60,000 of spending needs $1.5 million. Then discount that target back to today using your expected real return over the years until retirement. The result is your Coast FIRE number, the amount that, left untouched, compounds into your full FIRE number right on schedule.
This calculator uses a real return your investment growth after inflation so every number stays in today's dollars and is easy to sanity-check. A common range is 4% to 7% real for a diversified, stock-heavy portfolio. Use a lower number for a more conservative estimate.