Explore

You reached Coast FIRE.

Congrats!! 🎉🎉🎉

Now comes the surprisingly uncomfortable part:

…are you actually willing to stop saving so much?

Fun retirement-planning fact:
Your portfolio may not actually need to pay for your entire retirement.

Social Security and pensions are money too.

Revolutionary, I know.

Coast FIRE calculators are great at producing numbers that look extremely precise.

$437,281!

Unfortunately, the answer changes quite a bit depending on your return assumptions.

Here's how much those assumptions matter:

Coast FIRE at 35, retiring at 60 on $60k/year:

3.0% real return → $716,000 needed today
3.9% → $579,000
5.0% → $443,000

A $273,000 spread from one assumption you can't verify for 25 years. That's why the calculator output isn't a finish line.