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

Terms of Service

Please read these terms carefully before using our calculator.

Effective Date: January 2024

Acceptance of Terms

By using Coast Fire Calculator, you agree to these Terms of Service. If you do not agree with any part of these terms, please do not use our service.

Service Description

Coast Fire Calculator is a free online tool that helps you calculate your path to financial independence. All calculations are performed in your browser and are for educational purposes only.

User Responsibilities

• Use the calculator for personal, non-commercial purposes only
• Provide accurate information for meaningful results
• Do not attempt to reverse engineer or modify the service
• Respect the intellectual property rights

Financial Disclaimer

This calculator provides estimates for educational purposes only. Results should not be considered as financial advice. Always consult with qualified financial professionals for personalized guidance.

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We strive to keep the service available 24/7, but we do not guarantee uninterrupted access. We may perform maintenance or updates that temporarily affect availability.

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Coast Fire Calculator is provided "as is" without warranties. We are not liable for any financial decisions made based on calculator results. Use at your own risk.

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Modifications to Terms

We may update these Terms of Service from time to time. Changes will be posted on this page with an updated effective date. Continued use of the service constitutes acceptance of new terms.

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By using our calculator, you agree to these terms and conditions.