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Find your Coast FI number — the savings you need today so compound growth alone takes you to retirement, even if you stop investing now.
Default inflation rate for Canada: 2.5% per year, based on Statistics Canada (CPI) data (2026). You can override it in each calculator’s advanced options. See data sources for full citations.
The Coast FI Number is derived by discounting your full FIRE target back to today:
Where: SWR = safe withdrawal rate (e.g. 0.04 for 4%), i = annual inflation rate, r = annual investment return, n = years to retirement.
With $50,000 in annual expenses, their FIRE number today is $1,250,000 (at 4% SWR). Inflated at 2.5% over 25 years, the target at retirement is about $2,316,000. Discounted back at 8% return, their Coast FI number today is around $339,000. If they have $339,000 saved at 30, they can stop contributing and just let it compound.
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