The Coast FIRE Auditor.
The most powerful number in personal finance isn't your net worth—it's knowing exactly when you can stop grinding.
Coast FIRE Benchmark Auditor
Find your "Point of No Return" — when your current savings alone are enough for retirement.
1. Your Profile
Your current age and desired retirement age determine the 'compounding runway' your money has.
2. Lifestyle & Savings
Input your expected monthly expenses in TODAY'S dollars. We'll adjust for inflation automatically.
3. Market Assumptions
A 7% return after-inflation is a common historical benchmark for the S&P 500.
Your Coast FIRE Benchmark
$0
Calculating...
FIRE Target (Future)
$0
Compounding Years
0
The Coast FIRE number represents how much you need today so that without another cent invested, you reach your FIRE target by your retirement age.
If you have less than this, you need to contribute $0/mo to stay on track.
What is "Coasting"?
Coast FIRE is the stage where you already have enough saved in your retirement accounts that, even if you never contribute another cent, your portfolio will likely grow to provide a comfortable retirement by age 65.
- Eliminate the "Grind" Anxiety
- Switch to lower-stress, lower-pay work
- Spend your "New Money" on your lifestyle today
The Power of "Frontloading"
The math is simple: Time is more valuable than money. Investing $10,000 at age 20 is worth more than investing $100,000 at age 50. By hitting your Coast FIRE number early, you unlock the ability to design your life before you're 65.
Reality Check
"Once you hit Coast, the compound interest engine does the heavy lifting. You're just the pilot."
Track Your Real-Time Status
Stop guessing your net worth. Empower (formerly Personal Capital) provides a high-fidelity dashboard to track every account, calculate your true retirement readiness, and monitor investment fees automatically.
Partner: Empower
Disclaimer: This tool is for educational and illustrative purposes only. Calculations are based on hypothetical rates of return and historical averages which do not guarantee future results. Tax laws, inflation, and market volatility can significantly impact your real-world outcomes. This is not financial advice. Always consult with a qualified fiduciary or tax professional before making major life decisions.