Find the exact amount you need invested today so compound growth alone carries you to retirement — no more saving required.
M1 Finance lets you build a custom portfolio with automatic rebalancing — perfect for growing wealth to your Coast FIRE number.
Open M1 Finance Account →Your current assumptions are highlighted in blue.
Coast FIRE is the point at which your invested portfolio is large enough that, assuming a reasonable rate of return, it will grow to your full FIRE number by your target retirement age — without any additional contributions.
At Coast FIRE, you only need to earn enough to cover your current living expenses. You no longer need to save aggressively. Many people use Coast FIRE as a milestone to reduce work stress, switch careers, or work part-time.
Where n = retirement age − current age, and r = expected annual return rate.
| Type | Work Required | New Savings |
|---|---|---|
| Regular FIRE | None | Yes (until FIRE number) |
| 🚢 Coast FIRE | Cover living expenses only | No |
| ☕ Barista FIRE | Part-time | No |
| Lean FIRE | None | Yes (frugal lifestyle) |
Your financial independence target & timeline
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