Coast FI Progress guide
Coast FI means your invested assets may be large enough to grow into your retirement target by your target retirement age, even if you stop adding new money.
Example scenario
If your retirement target is $1.25 million and you have 25 years until retirement, the amount needed today is much lower because your portfolio has time to compound.
Calculation method
The monthly investing field estimates the age when you may reach Coast FI if you keep contributing for now.
Common mistakes
Coast FI is sensitive to return assumptions. A small change in return can create a large difference over 20 or 30 years.
How to use this calculator
- Enter realistic values that match your current situation.
- Press Calculate to refresh the estimate.
- Compare the main result with the supporting details in the result panel.
- Change one input at a time to see which variable affects the result most.
FAQ
Does Coast FI mean I can retire now?
No. It means you may be able to stop investing for retirement, not stop working entirely.
What if my spending changes?
Higher retirement spending raises the retirement target and the Coast FI requirement.
Should I include cash?
Only include assets that are expected to compound toward retirement.