Coast FIRE is when you've saved enough that compound interest alone will grow your savings to your full FIRE number by retirement age—without any additional contributions.
Once you reach Coast FIRE, you only need to earn enough to cover current expenses. You can take a lower-paying job, work part-time, or pursue passion projects without worrying about saving for retirement.
Historical U.S. stock market real return (1926-2023): approximately 7% annually after inflation.
Your FIRE Number
Expenses × 25 (4% rule)
$1,000,000
Coast FIRE Number
Amount needed today to coast to FIRE
$93,663
Your Savings at Retirement
Current savings grown over 35 years
$533,829
Status
Need $43,663 more
About the 7% Return Assumption
The 7% real (inflation-adjusted) return is based on historical U.S. stock market data from 1926-2023 (CRSP Total Market). Nominal returns averaged ~10%, minus ~3% historical inflation. Past performance does not guarantee future results.