Coast FI calculator
Find your coast number — the invested balance that reaches financial independence by your target age with no more contributions — and the age your current balance coasts to on its own.
Are you at coast FI?
Four numbers. Nothing is saved. Assumes a 6% annual return, compounded monthly, and the 4% rule adjusted for how long the money must last.
$
$/mo
Your coast number for age 60
$273,397
Left alone, your money reaches FI at
age 72, 6 mo
Not yet — you are $153,397 short of the balance that would coast to age 60 on its own. Contributions still have work to do.
See this with your real numbersReign builds the full picture — debts, income, Social Security — in about three minutes, no account needed.
New to the idea? Coast FI, explained without the jargon covers what the number means and the two mistakes people make computing it by hand.