Coast FIRE means you've already saved enough that compound growth alone will grow your portfolio to your FIRE number by retirement age — without saving another dollar. Find your Coast FI number and see how close you are.
Quick projection
Coast to age 65
11%
progress
€1.0M
full FIRE
40
coast at
Today
Returns
Later
Result
After inflation
4.90%
Coast FIRE works because compound growth at the real return alone — without further contributions — can grow your portfolio to your full FIRE number by retirement age. All projections use today's purchasing power.
Learn how Coast FIRE worksThe journey ahead
Accumulating until age 40, then coasting.
Concept
Multiply annual retirement spending by 25 (the 25× rule based on the 4% safe withdrawal rate). E.g. €40,000/year → FIRE number = €1,000,000.
Discount your FIRE number back to today using your expected real return. This is how much you need right now for compound growth to do the rest.
Once you hit your Coast number, you only need to cover living expenses — no more saving for retirement. Your investments grow on autopilot.
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