What is a Coast FIRE Calculator?

The Coast FIRE Calculator helps you determine if your current savings and investment plan will allow you to 'coast' to financial independence by retirement age—meaning you can stop new contributions and let your investments grow on their own. It's a powerful tool for anyone pursuing the FIRE (Financial Independence, Retire Early) movement.

How to Use the Coast FIRE Calculator?

Enter your current age, planned retirement age, current invested assets, expected annual spending in retirement, monthly contributions, and your financial assumptions (growth rate, inflation, safe withdrawal rate). Review the results to see your Coast FIRE number, projected growth, and the year you'll reach Coast FIRE. Use the interactive chart to visualize your path to financial independence.

What does 'Coast FIRE' mean?

'Coast FIRE' is a financial milestone where your current investments are enough to grow to your retirement goal without any further contributions. You can 'coast' to retirement without saving more, as long as you don't withdraw early.

Who should use the Coast FIRE Calculator?

Anyone interested in financial independence, early retirement, or optimizing their investment plan can benefit from this calculator.

Yes, all calculations run locally in your browser. No personal data is saved or transmitted.

How is the Coast FIRE number calculated?

The Coast FIRE number is calculated by determining how much money you need to have invested today that will grow to your target retirement amount, given your expected rate of return and time until retirement.

What rate of return should I use?

Historically, the S&P 500 has returned about 7% annually after adjusting for inflation. However, you should adjust this based on your investment strategy and risk tolerance. Conservative investors might use 5-6%, while aggressive investors might use 8-10%.

Should I include Social Security in my calculations?

This calculator doesn't include Social Security benefits. If you want to factor in Social Security, you could reduce your target retirement amount by your expected Social Security benefits.

What happens after I reach my Coast FIRE number?

After reaching your Coast FIRE number, you only need to cover your current living expenses. Your investments should grow to your retirement goal without additional contributions, assuming your return assumptions hold true.

Coast Fire Calculator

Financial Freedom

About Coast FIRE Calculator

Your trusted companion for achieving financial independence through the Coast FIRE strategy.

Our Mission

We believe that financial independence should be accessible to everyone. Our Coast FIRE Calculator helps you understand exactly how much you need to save today to coast towards your retirement goals, without the stress of aggressive saving throughout your entire career.

Coast FIRE (Financial Independence, Retire Early) is a strategy where you save aggressively early in your career, then let compound interest do the heavy lifting. Once you reach your "Coast" number, you can reduce your savings rate and still retire comfortably at your target age.

Accurate Calculations

Our calculator uses proven financial formulas to give you precise projections based on your current savings, expected returns, and retirement timeline.

Visual Projections

See your financial journey mapped out with interactive charts that show how your money will grow over time with compound interest.

Community Focused

Join thousands of users who are taking control of their financial future with smart planning and strategic saving.

Always Free

Our core calculator will always be free to use. We believe financial planning tools should be accessible to everyone, regardless of income.

Built with Modern Technology

Our platform is built using cutting-edge web technologies to ensure a fast, reliable, and secure experience:

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Get in Touch

Have questions, suggestions, or feedback? We'd love to hear from you!

While we're working on building more ways to connect, you can reach out to us through our social media channels or check back soon for more contact options.