Coast FIRE: When Your Existing Capital Is Already Enough

Coast FIRE is the point where you could stop contributing entirely and your current invested capital, purely through compounding, would still reach your FIRE number by a normal retirement age. You keep working and earning — you just stop needing to save.

ClaryFIRE's engine already runs this scenario: set your current capital, zero out future contributions in the "what-if" sliders (Pro), and see if your existing investments alone get you there.

See my Coast FIRE scenario →

Other free calculators

FIRE number calculator · Savings rate calculator · 4% rule calculator · FIRE calculator for freelancers