FREE CALCULATOR
When can I stop working?
Could your savings grow enough for life later? Try your numbers below. Reaching “coast” still means earning money for today’s bills.
Completely free · No sign-up needed for the calculator
Your coast number today
$225,603
With this amount invested, the growth guess reaches your goal by age 60 on its own.
You reach coast at about
Not yet on this pace
Based on your monthly investing.
Your full freedom number
$1,500,000
About 25 times one year of spending. The current pace does not reach it in time.
Estimates only, using a steady 7% yearly growth guess. Real markets move up and down. Uses today’s spending power, a 25-times-spending target, and no taxes or fees. It leaves out Social Security and other income.
GREAT MONEY IDEAS. EVERYDAY WORDS.
The goal is more choice, not the biggest number.
Time and steady saving can help. This calculator asks “what if?” It does not tell you to quit your job.
Money can buy you more say over your life.
Savings may give you room to leave a bad job or choose less work. You do not need to turn every goal into a race.
ONE SMALL MOVE
Write down what more choice means to you. Fewer hours? A career change? Use that goal to shape your plan.
What is coast FIRE?
FIRE stands for Financial Independence, Retire Early. is a calmer version: once your invested savings are big enough, they can grow to your full retirement number without you adding more.
From that point, you only need to earn enough for today's life. That depends on how your savings grow and what life costs later. Many people find this number years before full retirement — and it changes how work feels.
MONEY MOGUL keeps track of this for you with your real numbers, and shows the exact next step to get there sooner.
Track my real numbers freeQuestions
Your number, your plan, your pace.
Add your real accounts in a few minutes. MONEY MOGUL shows your coast number, your next step, and the dollars to go.
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