Coast FIRE Calculator
Find out the portfolio size where you can stop saving entirely and let compound growth carry you to financial independence.
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Your Coast FIRE Number
£226,529
If your portfolio reaches this amount, you can stop saving and compound growth will do the rest.
Not yet - keep saving
Your current portfolio of £0 is £226,529 short of your Coast FIRE number.
How Coast FIRE works
Coast FIRE is the point where your existing investments, left untouched, will grow to your full FI number by your target retirement age through compound returns alone.
The coast number is calculated by discounting your FI target back to today at your expected rate of return. In other words, it answers the question: "How much would I need right now so that 7% annual growth turns it into £625,000 over 15 years?"
The formula is straightforward: Coast Number = FI Target / (1 + r)^n, where r is your expected annual return (7%) and n is the number of years until your target FI age (15).
Once you hit your coast number, any money you earn only needs to cover current expenses. You no longer need to save for retirement, which can free you to take a lower-paying but more fulfilling job, work part-time, or simply reduce financial stress.
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Important: Not Financial Advice
This calculator is provided for educational and illustrative purposes only. Freedom Isn't Free is not authorised or regulated by the Financial Conduct Authority (FCA) and does not provide financial advice, investment recommendations, or tax guidance.
The projections shown are hypothetical, assume a constant rate of return, and do not account for inflation, taxes, or fees. Actual investment returns vary and you may get back less than you invest. Past performance is not a reliable indicator of future results.
Before making any financial decisions, please consult with an independent financial adviser regulated by the FCA. For help finding an adviser, visit MoneyHelper or Unbiased.
Where links to financial products appear on this page, some may be affiliate links. See our full disclaimer for details.
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