Coast FIRE Calculator

Coast FIRE Calculator

Calculate how much you need invested today so your portfolio grows to support retirement without any additional contributions. Adjust the sliders and watch results update live.

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Adjust values and click Calculate -- or use sliders for live preview
Your Details
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Rate Settings
Investment Rate of Return 7%
Inflation Rate 3%
Safe Withdrawal Rate (SWR) 4%
📊 Results
⌛ Not yet at Coast FIRE — keep investing!
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Coast FIRE Number
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FIRE Number
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Current Portfolio
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Gap to Coast FIRE
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Projected Coast Age
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Real Return (adj.)
Portfolio Growth vs Coast FIRE Number Over Time
Your Portfolio
Coast FIRE Number
Age Portfolio Value Coast FIRE # Status
Note: All values are in today's dollars (inflation-adjusted). The real return is calculated by subtracting the inflation rate from the investment return rate. Coast FIRE number = Annual Spending ÷ (SWR × (1 + real return)^years to retirement).
🎯 Coast FIRE Planning Calculator
Determine how much you need to save each month to reach Coast FIRE by a specific target age, or find out at what age you'll reach Coast FIRE given your current savings rate.
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Planning Results
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Required Monthly Savings
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Coast FIRE Number at Target Age
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Full FIRE Number
⚖ Scenario Comparison
Compare two different scenarios side-by-side to see how changes in savings rate, return assumptions, or retirement age affect your Coast FIRE journey.
Scenario A
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Scenario B
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Metric Scenario A Scenario B