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Coast to Financial Independence

Find out if your current savings are enough to passively grow and fully fund your retirement, allowing you to work part-time, switch careers, or stop saving for retirement today.

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Supercharge Your Coast FIRE Journey

NovaPlan's interactive Scenario Sandbox helps you model career changes, downshifting to part-time, tax scenarios, and real estate assets.

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Coast FIRE — Common Questions

Coast FIRE is the point in your financial journey where you have saved enough in retirement accounts so that, even if you never save another dollar, your portfolio will grow via compound interest to fund a comfortable retirement by your target age. You only need to earn enough to cover your current living expenses.

First, we calculate your Target FIRE Number (Annual Expenses divided by Safe Withdrawal Rate). Then, we discount that target back to today using compound interest over the years until retirement: \(CoastFIRE = Target / (1 + RealRate)^{YearsToRetire}\). We use an inflation-adjusted rate (real rate) so the results are expressed in today's purchasing power.

Once you reach Coast FIRE, you have the freedom to "coast." This means you can stop contributing to your retirement accounts and focus on lifestyle design. You could switch to a lower-paying but more fulfilling job, work part-time, take extended sabbaticals, or start a passion business, as long as you earn enough to pay your monthly bills.

Historically, the U.S. stock market has returned about 7-10% nominal. Adjusting for 2-3% inflation, a real return of 5% to 7% is standard. Using 5% is a safe, conservative assumption for planning.