How much do you need invested today to stop saving for retirement entirely and still get there?
—
| Target pot at retirement | — |
| Coast number today | — |
| Your gap | — |
Coast FIRE is the point where your existing investments, left completely alone, will grow into a full retirement pot by your target age. You still need income to cover today's bills — but you never have to save another penny for retirement. It arrives years before full financial independence, and for most people it is the moment the pressure comes off.
It is a planning rule of thumb from US historical data, not a guarantee. Many planners now use 3.5% for early retirees with a 40+ year horizon, and 4–4.5% for a standard retirement age. Move the slider and see how sensitive your number is.
Use a real (after-inflation) return here — typically 4–6% for a global equity portfolio — and enter your spending in today's money. Mixing a nominal return with today's spending will badly overstate your progress.