Have I reached Coast FIRE?

Coast FIRE is the point where the retirement savings you already have could grow to your retirement target without additional contributions, assuming your timeline and investment returns hold. You still need income to cover life before retirement; the idea is that retirement saving may no longer need to drive every work and spending decision.

The calculator subtracts retirement income available from the day you retire from your annual spending, divides the remainder by your withdrawal rate to estimate the portfolio needed at retirement, then discounts that target back to today using your real return and years until retirement.

Not necessarily. Reaching the number means one simplified set of assumptions works. Taxes, fees, account access, healthcare, income timing, a poor early market sequence, and changes in your life can all change the decision. Treat the result as a reason to explore your options, not an instruction to stop saving.

Real return is investment growth after inflation. A lower assumption produces a higher Coast FIRE number and a more conservative result. The calculator shows nearby return scenarios so you can see how sensitive your answer is instead of relying on one rate unnoticed.

Yes, but only enter income expected to be available from the retirement age in this calculation. If Social Security, a pension, or another income source starts later, the simple formula will overstate its help because it does not model the gap years separately.

Yes. The calculator is free, and your result opens in Ask Linc: enter your email and choose a password. There is no code to enter and no credit card. Ask Linc's planning experience is the next step when you want to replace the simple assumptions with your actual holdings, spending, income, taxes, and scenarios.