When can you stop saving for retirement? Inflation-honest math, live results, every chart point tappable.
The coast number rises every year you wait — later starts leave compounding less runway. Your personal checkpoints, live from the calculator inputs:
| Age | Coast number then | Your projected balance | Status on current path |
|---|
A green pill means your projected path is at or above the coast requirement at that age; an amber pill shows the remaining gap. Edit any input on the Calculator tab and this table follows instantly.
Coasting versus the classic grind: what saving your entire retirement number by your target age would demand every month.
What it would take to reach your entire retirement number by your target age — no coasting, saving the whole way.
Why this calculator disagrees with sloppier ones: everything here runs in today's dollars. The real return is (1 + return) ÷ (1 + inflation) − 1 by exact division — not the subtraction shortcut, which flatters the result more every year it compounds — and your coast number is the retirement target (spending ÷ withdrawal rate) discounted at that real rate. Contributions are constant purchasing power, credited at month-end.
Coast FIRE splits retirement saving into a sprint and a glide: reach the critical mass first, then let time finish the job while your paycheck only funds the present. It buys career flexibility — not a hammock — and it's only as robust as the assumptions you feed it, so stress-test them in the guide below.