Coast FIRE: How to "Retire" at 30 Without Stopping Work Completely
Coast FIRE means you invest aggressively early, then let compounding carry you to retirement while you work in lower-stress roles. You stop saving, but your portfolio keeps growing.
Calculate your Coast FIRE age
Use the Wealth Projector to see when your investments can coast.
Coast FIRE is about timing
You build enough early so compound growth can take you to your full FI number without more contributions.
How the math works
The earlier you invest, the more time your portfolio has to grow. That's why coast targets drop sharply if you start in your 20s instead of your 30s.
Example timeline
If you need $1.5M by age 60, investing $200k by age 30 could be enough to coast with moderate growth. The exact number depends on your return assumptions.
Anand Godar
Financial engineer and founder of QuantCurb. Former fintech data scientist building institutional-grade calculators for everyday wealth decisions.
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