When can retirement savings start coasting?
Explore when your investments could grow toward retirement without more deposits. Adjust the assumptions to see how much they matter.
Canadian planning estimate · No account required
Estimate
To coast by age 45, you need $603,079 invested.
At your current pace, you are short by about $277,072 by age 45.
Key numbers
Assumes 3.5% growth after inflation and a 4% yearly withdrawal rate in retirement. Change the planning style or the optional details to test other assumptions.
Not included yet: CPP, OAS, or pension income.
Assumptions to check (3)
- All amounts are in today’s dollars. Contributions must rise with inflation to keep this buying power. Returns are after inflation and fees; actual market returns vary.
- Any pension entered is assumed to be available from your retirement age, after tax, and to keep pace with inflation. Earlier retirement needs a separate bridge plan.
- Tax on investment withdrawals is not modeled. Include it in your spending target if you expect taxable retirement withdrawals. A constant withdrawal rate is a planning assumption, not a guarantee.
What this means for you
Coast FIRE asks one question: by age 45, will savings be large enough to grow to the retirement target on their own?
This estimates when you could stop adding to retirement savings. You would still need income to cover expenses until retirement. Results use today’s dollars.
At the current pace, the estimate is below the target by about $277,072.
To hit age 45, total retirement saving would need to be about $2,737 per month. That replaces the current amount, it is not added on top.
The inputs that move this answer most: Coast age · Money invested now · Monthly saving · Retirement spending.
See how Fred can help with the next stepEstimates only, not financial advice. Rates checked June 2026.
Make room for the life you want.
Working less. Retiring earlier. More time for yourself. Fred considers what you want alongside your income, savings and everyday spending. He researches the rules and works through taxes, risk and access to your money, so you can understand what would need to change.
Could I work less without putting retirement at risk?
With your go-ahead, he can update your goals and spending plan. Return to Fred to review the plan as your life changes.
7 days free. No card required.You make the decisions. Fred handles the rest.
He remembers what matters to you.
He remembers the context you share, so you don’t have to start from scratch every time. When life changes, return to Fred to work through what to adjust.
Understand the work behind the answer.
Fred researches your options, runs the numbers and explains how the steps fit together. You can review his sources, question an assumption or ask him to compare another option.
You approve the plan. Fred puts it into motion.
Ask Fred to create the goal, adjust your spending plan or organise the expenses. He checks the changes and tells you what was saved. See how he helped put an Italy trip into the plan.