FIRE & Retire · Coast
Coast FIRE Calculator — Can you coast?
Coast FIRE is the point where your investments will grow into your FIRE number on their own — no more contributions needed.
What you enter
- Current age
- Target retirement age
- Annual expenses
- Current investments
- Expected return
- Withdrawal rate
How this is calculated
Your Coast FIRE number is your full FIRE number (expenses ÷ withdrawal rate) discounted back from your target retirement age at your expected return. If your current investments exceed it, compounding alone — with no further contributions — will grow them into your FIRE number on time.
Common questions
What's the point of Coast FIRE?
It separates "saving for retirement" from "covering today's costs". Once you've coasted, you only need to earn your living expenses — enabling a lower-paid, lower-stress job or part-time work decades before traditional retirement, without endangering the end goal.
Why does the target age change the number so much?
Compounding time is the whole mechanism. At 7%, money doubles roughly every decade — so coasting to 65 from age 30 needs only about an eighth of the final number invested. Move the target to 50 and you need far more, far sooner.
Is it safe to actually stop contributing?
Coasting leans entirely on your return assumption holding for decades. Most people treat Coast FIRE as a milestone and keep contributing something — it buys margin against bad markets, inflation surprises and plans changing.
How does it rank?
Once you have your result, see how your number compares against your demographic with our full money rank — by age, sex, state and household composition.
Methodology & data
INDICATIVE · 4% RULE. Australian context, FY 2026–27 tax brackets by default (15% lowest marginal rate from 1 July 2026) with a financial-year selector on tax calculators. Calculations are indicative and based on simplified public models — not personal financial, tax or legal advice. See the full disclaimer.
Primary data sources
- Australian Taxation Office — Taxation Statistics — Individuals Tables 3A & 4A (income by age, sex & state) (2023–24)
- Australian Bureau of Statistics — Household Income and Wealth, Australia — net worth by age & net-worth quintiles (2019–20)
- Australian Taxation Office — Taxation Statistics — Individuals Table 22 (super balance by age) & Table 23A (age × sex) (2023–24)
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