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FINANCIAL INDEPENDENCE
Coast FI calculator
Coast FI is the amount you need invested today so that, even if you never contribute another dollar, compound growth alone gets you to your retirement number. Find out where you stand — and whether you're further along than you think.
The projections generated by this calculator are hypothetical, do not reflect actual investment results, and are not guarantees of future results. The retirement target assumes a 30-year retirement period and is based on the 4% safe withdrawal rule (25× annual spend), a historical rule of thumb that may not apply to all market conditions or retirement horizons. The 7% default return is a real (inflation-adjusted) rate. This is not financial advice — consult a qualified financial advisor before making investment decisions.
Lump sum today
$242,627
one-time investment to reach Coast FI now
Coast FI in 5 years
$4,780/mo more
additional monthly needed
Coast FI in 10 years
$2,790/mo more
additional monthly needed
Today's progress toward Coast FI
51%
$250,000
$492,627
Your Coast FI number
$492,627
Projected retirement balance
$1,903,064
Enter a monthly contribution above, or use the slider to explore different amounts.
What if you contributed more per month?
+$0
+$2,000
The math behind Coast FI
Why the first dollar you invest is worth more than any dollar you invest later.
~10 years
Time to double
At 7% real returns, your invested money roughly doubles every decade — without touching it.
$0 required
After Coast FI
Once you hit your Coast FI number, additional contributions become optional. The compounding takes over.
Earlier = less
Why age matters
A 25-year-old needs roughly half the invested balance that a 35-year-old needs to coast to the same retirement target.
Your Coast FI questions, answered.
What is Coast FI? How is the number calculated? Here's what you need to know.
How are the calculator's terms defined?
Why were these default assumptions chosen?
What is Coast FI?
Keep building toward financial independence
You might be further along than you think.
Retirement can feel so far away it doesn't feel real. That's why milestones matter — they give you evidence that what you're doing is working.
Coast FI is the amount you need invested today so that, even if you never contribute another dollar, compound growth alone gets you to your retirement number. For a lot of consistent investors, that number is closer than they think.
Coast FI doesn't tell you you're done. It tells you you're further along than you realized. Start or continue building your portfolio with M1's automated investing.
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