Description

The Coast FIRE Calculator helps you determine a major milestone on your path to financial independence: the point where your investments can grow on their own—without any further contributions—until you’re ready to retire. Reaching Coast FIRE means that your current portfolio is already powerful enough to support your future retirement goals, simply by letting time and compound interest do their magic. To learn more about the fundamentals of Coast FIRE, check out our in-depth blog post.

Once you’ve hit your Coast FIRE number, you no longer need to invest more to reach full financial independence. Instead, you gain the freedom to lower your savings rate, switch to a less demanding job, explore new passions, or maintain your current lifestyle without the pressure to aggressively build wealth. You’re still on track for FIRE—but now, you’re coasting.

This calculator guides you by helping you estimate how much money you need invested today so that your portfolio can naturally grow into your desired FIRE number by your planned retirement age. You’ll define your expected retirement expenses, your planned retirement age, and your expected investment returns (adjusted for inflation), and the calculator does the rest—showing whether you’ve already reached your Coast FIRE milestone or how much more you need to invest to get there.

To keep your projections realistic, the calculator also accounts for inflation, helping you understand the difference between nominal and real returns. This ensures that the value of your money in retirement maintains its purchasing power—so you’re planning for the life you want, not just the numbers.

And of course, it also shows your FIRE number—the amount of money you need to fully retire, without ever having to work for money again. This number gives you clarity on your long-term goal, while the Coast FIRE number gives you a powerful short-term milestone that puts you in control of your financial future much earlier than traditional retirement planning ever could.

The Coast FIRE Calculator is your tool to reduce pressure, increase freedom, and continue toward financial independence—on your own terms.