This page is best used as a FIRE milestone check. It is not asking whether you can retire today. It is asking whether the money you already have may be large enough to grow into your future retirement target even if you stop making new contributions.
That is what makes Coast FIRE useful as a stage concept. The current page shows the future value of today's savings, the amount you would need today to count as Coast FIRE under the same return assumption, and whether you have already crossed that line. It is good for understanding your stage on the path, not for replacing a full retirement plan.
These two inputs determine the remaining compounding window. For Coast FIRE, time is one of the most powerful variables. The more years your current money has to grow, the more likely it is to reach a future target on its own.
This is the principal you already have today. The current page grows only this amount, which is why the result reflects the power of your existing base rather than the effect of future saving.
It means having enough invested today that, even without future contributions, current savings may still grow into the retirement target over time.
No. The current implementation only grows the savings you already have and does not add new contributions.
No. It means the future retirement target may already have growth momentum, not that today's spending is fully covered.
No. The page compounds directly from the entered return and does not separately subtract inflation.
The Coast FIRE (Financial Independence Retire Early) calculator helps you determine when you can stop actively saving and let compound interest do the work. It considers inflation, investment returns, and taxes to provide clear guidance for your retirement planning.