FreeByte

Coast FIRE calculator

Check whether what you have invested already grows into your retirement number without another dollar.

Built and reviewed by Dovanic, Founder and editor, FreeByteLast reviewed: 2026-08-18
$
34
62
7.0%
$
4.0%

You have already coasted

$530,837

Projected at retirement

$930,837

28 yr

Target number
$400,000
Coast number needed today
$60,161
Share of the way there
100.0%

Coasting means never contributing again — existing investments alone grow into the target.

Check whether what you have invested already grows into your retirement number without another dollar.

A worked example

Starting figures

Target at retirement
$1,000,000
Return
6.5%
Years to retirement
25
Current pot
$160,000

What it returns

Coast number
$207,138
Still to save
$47,138
Your pot grows to
$772,432

How to read the results

Current investments compound to retirement age and are compared with the pot your spending needs.

With the defaults above, coast number works out at $207,138.

Methodology

Current investments compound to retirement age and are compared with the pot your spending needs.

  • · No further contributions counted
  • · Constant returns and spending

Estimates only. Nothing here is financial advice. Spotted something wrong? Tell us and it gets fixed.

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