Coast FIRE Calculator

Find when you can stop saving and let compound growth carry you to retirement

⚙ Your Details

Presets:

📈 Coast FIRE Results

⏳ Calculating...
FIRE Number $0 Spending / SWR
Coast FIRE Number $0 Invest this today, stop saving
Coast FIRE Age -- When you can stop contributing
Years of Saving Left -- Until coast status
Real Return Rate -- Nominal minus inflation
Monthly Savings Needed -- To reach coast target
Progress to Coast FIRE 0%
FIRE# = Spending / SWR
Coast# = FIRE# / (1+r)n
r = (1+nom)/(1+inf) - 1

Compare Scenarios

See how different return rates, retirement ages, and spending levels affect your Coast FIRE timeline.

Scenario A Conservative

FIRE #--
Coast #--
Coast Age--
Status--

Scenario B Moderate

FIRE #--
Coast #--
Coast Age--
Status--

Scenario C Aggressive

FIRE #--
Coast #--
Coast Age--
Status--

Investment Growth Projection

Watch your investments grow toward your FIRE number over time

Portfolio Growth Coast FIRE Line FIRE Number

How to Use This Calculator

1

Enter Your Age

Input your current age and your target retirement age. The gap between these determines how long your money has to grow.

2

Add Your Investments

Enter the total value of your currently invested assets including 401(k), IRA, brokerage accounts, and other investments.

3

Set Return Assumptions

Choose your expected annual return rate and inflation rate. The calculator uses the real (inflation-adjusted) return for projections.

4

Define Retirement Spending

Enter your expected annual spending in retirement and your safe withdrawal rate (4% is the classic starting point).

5

Review Your Results

See your Coast FIRE number, coast age, and progress. Use the Scenario Analysis and Growth Chart tabs for deeper insight.

Frequently Asked Questions

What is Coast FIRE and how does it differ from regular FIRE?

Coast FIRE is the point where your existing investments will grow to your full FIRE number by retirement age without any additional contributions. Unlike regular FIRE where you need enough to retire immediately, Coast FIRE means you only need to cover current living expenses with your income -- no more aggressive saving required.

What safe withdrawal rate should I use?

The 4% rule is the most commonly cited starting point, based on the Trinity Study. However, for early retirees with 40+ year horizons, many planners recommend 3.25-3.5%. If you plan to retire at a traditional age (65+), 4% is generally considered safe for a 30-year retirement.

Does the Coast FIRE number account for inflation?

Yes. The calculator uses the real return rate (nominal return minus inflation) to discount your FIRE number back to today's dollars. This means your Coast FIRE number represents the amount you need in today's purchasing power.

What happens after I reach Coast FIRE?

Once you reach Coast FIRE, you can stop contributing to investments and still reach your retirement target through compound growth. Many people use this milestone to switch careers, reduce work hours, pursue passion projects, or take a lower-paying but more fulfilling job.

How accurate are the growth projections?

The projections use a constant real return rate, which is a simplification. Actual market returns vary year to year. Use the Scenario Analysis tab to compare conservative, moderate, and aggressive assumptions. Real-world results will fluctuate, so consider these projections as directional guidance rather than guarantees.

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