Coast FIRE calculator

Your plan. Clear assumptions. One coast milestone.

Your plan, in today’s dollars

Set return assumptions · today’s dollars

Real return already includes inflation; no second deduction.

Use a return after fees. Taxes are not calculated. Blank annual contribution means no further deposits. Ages use whole years (0–130).

This is not financial advice.

Your coast milestone

Estimated coast age

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Add your plan to estimate.

Coast number—
Years to coast—
Invest → Coast → Retirement goal

Whole-year steps · today’s USD · no withdrawals before retirement. This is not financial advice. Method and limitations

Saved scenarios

Save a named plan in this browser only. No account or cloud backup. Avoid identifying details in a name.

1

Enter your plan

Use your ages, invested balance and retirement goal.

2

Check the assumptions

Keep spending and returns in today’s dollars.

3

Explore the milestone

Compare a changed assumption, not a promised outcome.

A milestone, not retirement today

Your investments may be left to grow while another income covers current costs.

What is Coast FIRE?

Explore another target

FIRE number

Turn spending into a target.

Barista FIRE

Explore the ongoing-income gap.

Lean FIRE

Start with your own smaller budget.

Fat FIRE

Explore a larger spending plan.

How much would you need invested now to reach your retirement goal without adding more? This Coast FIRE calculator estimates that amount and, if you keep contributing, when you might reach it.

The result depends on the assumptions you enter. A projected coast date is not a promise that you can stop saving. This is not financial advice.

Guides and next steps

Enter your own ages, balances and rates in the tool above. Comparison and saved scenarios use only the values you provide.

Model and transparency

Last updated: 6 November 2026. Deterministic annual calculations, not a historical success test. This is not financial advice.

Method and limitations · About the operator · Storage and privacy