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Coast FIRE is the point where your portfolio is large enough to grow into your retirement target on its own. From that day, every penny earned is for living, not saving.
Your timeline, in years.
Where you stand today and how much you need at the end.
How the portfolio grows and how aggressively you draw later.
Halfway home. Compounding is taking over from here.
Coast number is $231,377. At /mo at % real, you reach it in 30 years. The full FIRE target is $1,000,000.
Illustrative figures only. Coast assumes a steady real return over decades; actual sequences vary widely. For your specific situation, consult a qualified adviser.
Worth maps Coast, Lean, and Full FIRE into a single trajectory. The order to fill the accounts, the year each milestone unlocks, the next best move. Join the waitlist.
Full FIRE means the portfolio is large enough to fund living costs forever, starting today. Coast FIRE means it is large enough to grow into that number by traditional retirement age, with no more contributions. Coast always comes first, often by ten to twenty years, and is the more realistic goal for most people in their thirties and forties.
Five per cent real (after inflation) is the conservative default for a globally diversified stock-heavy portfolio. The US market has historically returned around seven per cent real, but forward global expectations sit closer to five or six. Use five for a margin of safety, six or seven if you want a more optimistic projection.
Yes. Pension money compounds the same way as any other invested money, and you will be drawing on it in retirement. Include workplace pension, SIPP or 401(k), ISA or IRA, and any taxable brokerage. The only thing to exclude is uninvested cash sitting in a savings account.
You still need to cover today's expenses. Coast does not mean you can quit work, only that you do not need to save more for retirement. If income is volatile or job-loss risk is high, hitting Coast does not change the need for an emergency fund. Real returns in any specific decade can also disappoint, so most people keep saving past their Coast number anyway.