Coast FIRE Calculator - Plan Your Financial Independence

Calculate your Coast FIRE number and visualize your path to financial independence. Input your current savings, expected returns, and retirement goals to see when you can stop contributing.

Input Your Numbers

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How to Use the Coast FIRE Calculator

  1. Enter your current age and desired retirement age
  2. Input your current invested assets and expected annual spending in retirement
  3. Adjust the expected investment return rate, inflation rate, and withdrawal rate as needed
  4. The calculator will automatically update your Coast FIRE number and show your projected portfolio growth

Understanding Coast FIRE

Coast FIRE (Financial Independence Retire Early) is when you have enough money invested that you no longer need to make any additional contributions to reach your retirement goal. Your existing investments, given enough time and expected returns, will grow to cover your retirement needs.

Key Concepts

  • The Coast FIRE number is the minimum amount you need invested today to reach your retirement goal without additional contributions
  • The calculation takes into account real returns (expected return minus inflation)
  • The withdrawal rate determines how much you can safely withdraw from your portfolio in retirement
  • The graph shows your projected portfolio value over time compared to your Coast FIRE target

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Your Coast FIRE Number

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This is the amount you need to have saved now to reach your retirement goal without any additional contributions, assuming your investments grow at the expected real rate of return.

Portfolio Growth Projection