← Honed Money

Coast to retirement without saving another dollar.

Coast FIRE means your savings are big enough that growth alone carries you to your retirement number. Enter what you have — see if you can stop saving and just let it ride.

Where you stand

01 / NOW
$

Your target

02 / GOAL
$
Your FIRE number$0
4%
Email my results

Calculate your coast to activate the email and copy buttons. Your entries stay in this tab and are not saved.

How close to coasting?

Enter what you've saved, your ages, and your retirement spending. We'll tell you if growth alone finishes the job.

Last reviewed: October 2026.

What's next?

Honed Money provides calculators and educational information for general purposes only. It is not financial, tax, legal, investment, or insurance advice. Estimates are based on the information you enter and the assumptions shown. Actual results will vary. For taxes, retirement, and government benefits, verify with IRS.gov, SSA.gov, or VA.gov. We don’t sell financial products and aren’t paid for calculator results. Use at your own risk.