Coast FIRE Calculator

Calculate when you can stop saving for retirement and let compounding do the rest.

Coast FIRE means having enough retirement savings that, without further contributions, they'll grow to cover retirement by a traditional age. Once you reach this point, you only need to cover living expenses, freeing you to pursue lower-paying or part-time work, or simply enjoy more discretionary income.

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7%
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3%
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4%
Coast FIRE Number at Current Age
$175,723

You're 6 years from Coast FIRE!

Using this calculator

This interactive calculator helps you visualize your investment growth on your Coast FIRE journey. The green line shows your projected net worth growth with your input contributions. The blue line indicates the Coast FIRE target at each age. Adjust the sliders to see how these lines change. If the green line exceeds the blue line, you've reached Coast FIRE!

The Math for the Calculator

First, to understand regular FIRE:

  • Enter your current age and planned retirement age.
  • Input your estimated annual retirement expenses (often less than current due to factors like Medicare and a paid-off mortgage).
  • Enter your current invested assets (e.g., stocks, excluding emergency funds).
  • Use sliders to adjust the following rates and see the graph update instantly:
    • Investment Rate of Return: Expected average annual investment growth (default: 7%, historical S&P 500 average: ~10%).
    • Inflation Rate: Expected average annual inflation (historical US average: ~3%).
    • Safe Withdrawal Rate (SWR): Percentage of savings you'll withdraw annually in retirement (default: 4%, supported by the Trinity Study for a 30-year horizon with a 50/50 stock/bond mix).