Coast Point Calculator
Could you stop saving for retirement today and still retire on time? That's Coast FIRE. Enter your numbers to find your "coast number" — the amount that grows untouched into a full retirement fund.
Educational tool only. This is a simplified model for learning, not financial advice. It uses steady assumed returns, ignores taxes, fees, inflation surprises, and Social Security. Talk to a qualified financial professional about your situation.
Your numbers
Your coast number
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Coast number (needed today)
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Full retirement target at 65
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Of the way there
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Still needed
Your savings, untouchedCoast number needed
Year-by-year projection (no new contributions)
Watch your untouched savings grow toward the shrinking coast number. The ratio stays constant without contributions — new savings are what move it.
| Age | Untouched savings | Coast number | Progress |
|---|
What changes once you coast
- Retirement saving becomes optional. Every new dollar can go to goals your retirement accounts can't serve: a home, a business, travel, giving, or simply working less.
- Keep the emergency fund. Coasting assumes the invested money stays invested — a cash cushion protects it from forced withdrawals.
- Don't actually stop entirely if you can help it. Coasting past your number builds margin against the one thing this model can't promise: future returns.
- Re-run yearly. Markets move, spending targets change, and life happens. Your coast number is a compass, not a contract.
Assumptions behind the math
- Coast number = full retirement target ÷ (1 + return)years left. Target = 25× annual retirement spending (4% rule).
- Returns are steady and real (after inflation); no volatility, taxes, or fees modeled.
- "Untouched savings" grows at the same assumed return with zero new contributions.
Go Deeper with the Book
Coasting is one milestone in a bigger journey. Retirement Made Simple by Kimani Upshur, M.Ed. maps the whole path in plain language.