Inflation-Adjusted Coast FI Roadmap

All projected values are shown in **today's purchasing power (Real)**.

How to Use This Calculator

Enter Your Financials: Fill in your current age, desired retirement age, current investment balances (split between Traditional and Roth accounts), and your expected annual return & inflation rates.
Set Your Goal: Input your desired annual retirement income (in today's dollars) and how much you currently contribute annually to your Traditional and Roth accounts.
Analyze Your Roadmap: The tool will instantly calculate your Coast FI Principal—the amount you need today to coast to retirement. It also generates a year-by-year projection.
Toggle Views: Use the "Show Real/Nominal Values" buttons to switch between today's purchasing power and future (inflated) dollars.

Current Age

Retirement Age

Traditional Balance ($)

Roth Balance ($)

Nominal Return (%)

Inflation Rate (%)

Desired Annual Retirement Income ($)

Traditional Annual Contr. ($)

Inline math functions are supported (e.g., 1000*12).

Roth Annual Contr. ($)

Remember annual contributions must comply with IRS limits.

Inline math functions are supported (e.g., 1000*12).

Key Milestones

FI Target: $0

Real Rate of Return: 0%

Years until Retirement: 0

Coast Principal Required TODAY: $0

Years to Reach Coast FI: N/A

Required Value at Coast Date: $0

Total Contributions at Coast Date: $0

Account Balances at Coast FI Age (N/A)

Traditional Coast Bal.: $0

Roth Coast Bal.: $0

Projected Account Balances at Retirement (Age 65)

Traditional Final Bal.: $0

Roth Final Bal.: $0

Projected Final Value (Total): $0

Awaiting Input...

Ready to Start Coasting?

Invest your **Coast FI principal** in a reliable, low-cost platform.

Open an Account with Robinhood →

Affiliate Link: This site may earn a commission if you sign up.

Understanding Coast Financial Independence (Coast FI)

**Coast FI** is a powerful financial milestone where your current investment portfolio is large enough that, without adding any more money, it will naturally grow through compounding to reach your full Financial Independence (FI) number by your chosen traditional retirement age. Essentially, you've finished the intense saving "sprint" and can now "coast" to the finish line.

The Core Benefits of Reaching Coast FI:

✓
Career Flexibility: This is the biggest advantage. You are no longer financially obligated to maintain a high-stress or high-paying job. You can pursue part-time work, change careers to a passion project, or take a significant pay cut knowing your retirement is secured.
✓
Reduced Stress & Burnout: The immense pressure to save is gone. You only need to earn enough to cover your current living expenses, allowing you to downshift and focus on your quality of life today.
✓
Maximize Compounding: By achieving the required principal early, you maximize the time your money spends growing tax-advantaged (like in your 401k/IRA), letting exponential growth do the heavy lifting for the final push.

Note: Your **Coast FI Principal Required TODAY** is dynamic; it increases every year as you get older, because your money has fewer years left to compound passively until retirement. (This means the required number you need *to hit* gets harder to reach the longer you wait!)