Are you tired of the "grind until you're 65" mentality? You might be closer to financial freedom than you think. Welcome to the free Coast FIRE Calculator.
Most retirement calculators tell you how much you need to save forever. But Coast FIRE (Financial Independence, Retire Early) is different. It answers a specific, powerful question: "At what age can I stop saving money entirely and let compound interest do the rest?"
Unlike standard investment calculators, this tool is inflation-adjusted and designed for the modern FIRE movement. Whether you are aiming for Lean FIRE, Fat FIRE, or just want to secure your retirement early, use the tool below to find your "Freedom Age."
Your Coast FIRE Result
To retire securely with /year, you need a total portfolio of .
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Progress to Coast FIRE
How to Use This Calculator
To get the most accurate result from the Coast FIRE Calculator, follow these steps:
- Current Invested Assets: Enter the total value of your retirement accounts (401k, IRA, Brokerage) today.
- Monthly Contribution: How much are you saving and investing every month right now?
- Annual Spending in Retirement: Estimate how much money you need to live on per year when you retire. Enter this in today's dollars (the calculator handles inflation for you).
- Investment Return: The S&P 500 historically returns about 7-10% (adjusted for inflation). A conservative estimate is 7%.
What is Coast FIRE?
Coast FIRE stands for "Coasting Financial Independence, Retire Early." It is a financial milestone where you have invested enough money that, without contributing another penny, your portfolio will grow to support your retirement at a traditional age (e.g., 65) thanks to the power of compound interest.
Once you reach your Coast FIRE Number, you don't have to stop working, but you can stop saving. This allows you to switch to a lower-stress job (Barista FIRE), work part-time, or spend your entire paycheck on lifestyle and travel.
Frequently Asked Questions
Does this calculator account for inflation?
Yes. This tool uses the "Real Rate of Return" formula. By default, it subtracts the Inflation Rate (e.g., 3%) from your Investment Return (e.g., 7%) to give you a result in today's purchasing power.
What is the 4% Rule?
This calculator assumes a Safe Withdrawal Rate (SWR) of 4%. This is a standard rule of thumb from the Trinity Study, which suggests you can withdraw 4% of your portfolio in the first year of retirement (adjusted for inflation thereafter) with a high probability of not running out of money for 30 years.
What if my Coast Age is "N/A"?
If the result says "N/A" or "Not possible," it means your current savings rate isn't high enough to "Coast" before your retirement age. To fix this, try increasing your monthly contributions or lowering your expected annual spending in retirement.
Disclaimer: This tool is for educational purposes only. Investment returns are never guaranteed. Always consult a certified financial planner before making major life decisions.