Coast FIRE Calculator
Find the day you can stop saving.
Many Australians are nearer than they think, because super contributions have been quietly doing the work for years.
Coast FIRE is the point where your existing investments will grow to your full retirement target on their own - no more saving required, just cover your living costs and let compounding finish the job. The question this calculator answers: are you there yet, and if not, how close? No sign-up needed to try it.
- No sign-up needed
- Australian tax rules, year by year
- Free to try
Step 1
Quick FIRE Check
Current annual spending excluding your home mortgage.
Max $1,308/month to stay under concessional cap
What your Coast FIRE number is
It's your full retirement target, wound backwards. Take what you'll need at traditional retirement age, then discount it by your expected growth rate for every year between now and then. If what you have invested today - super included - exceeds that discounted figure, you've coasted: growth alone carries you the rest of the way.
Two things move the number more than anything else: time (every extra year of compounding shrinks it) and your spending expectations (every dollar of annual retirement spending adds roughly $25 to $30 to the full target it's derived from).
Already coasted? What it changes
Nothing has to change - that's the point. Same job, same bills, but the pressure is different: the saving is finished, and working now funds your life rather than your retirement. Some people ease off overtime, take the lower-stress role, or point former savings at the mortgage. The one rule the definition asks of you is simple: keep covering your living costs without eating the investments.