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When can you stop contributing and let compounding do the rest?

Your Coast FIRE number is the balance where you never need to contribute another dollar to retirement — compounding alone gets you there.

What is Coast FIRE?

Once you reach your Coast FIRE number, your investments will grow to your retirement target on their own — without any additional contributions. You can redirect that monthly savings to other goals: a home, travel, or simply working less. You are not fully retired, but you have bought yourself financial freedom to choose.

Your Numbers
Include all retirement accounts — 401k, IRA, Roth IRA, brokerage
$
The total you want at retirement. Use 25x your expected annual spending as a guide.
$
%
Your Coast FIRE Number
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Progress Toward Coast FIRE
$0
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Years of compounding ahead
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Projected at retirement (current savings, no new contributions)

See your full financial picture.

OraFi maps your Coast FIRE progress alongside all your other financial goals — retirement, a second home, early financial freedom — with every account linked to its purpose.

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Also check: Retirement Savings Benchmark Calculator
Coast FIRE calculations assume a constant annual return compounded monthly.
Past returns do not guarantee future performance. This calculator is for informational purposes only.
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