Coast FIRE Calculator
Determine how much you need to save now to let your investments grow until retirement without additional contributions.
How Coast FIRE Works
The calculator uses these formulas:
- Future Annual Spending: Current spending × (1 + inflation)^years until retirement
- Target Portfolio: Future annual spending ÷ Safe Withdrawal Rate
- Coast FIRE Number: Target portfolio ÷ (1 + investment return)^years until retirement
Note: Coast FIRE means your investments will grow to your full retirement number without additional contributions.
About Coast FIRE Calculator
The Coast FIRE Calculator is the perfect tool for individuals pursuing financial independence without full early retirement. This Coast FIRE planning tool helps you determine how much you need to save and invest now so you can stop contributing later and still retire comfortably at traditional age.
Whether you're aiming for Coast FIRE at 30, Coast FIRE at 40, or just starting your FIRE journey, this calculator estimates your FIRE number, tracks your investment growth, and factors in compound interest. It supports both Coast FIRE and Fat FIRE calculations and allows you to enter your net worth, annual expenses, and expected retirement age.
Use this early retirement calculator to explore financial independence projections, calculate how much to invest for Coast FIRE, and visualize your retirement timeline. It works as a retirement savings calculator, FIRE movement tool, and a passive income goal planner.
The Coast FIRE Calculator also includes inflation-adjusted returns, safe withdrawal rate options, and market growth scenarios. Perfect for those exploring minimalist FIRE, Lean FIRE, or simply seeking financial security without early retirement.
Additional features include Roth IRA growth projections, Coast FIRE chart visualizations, net worth tracker integration, and custom savings goals. Whether you're a FIRE beginner or a seasoned investor, the Coast FIRE Calculator is your reliable tool for planning long-term wealth and achieving freedom on your terms.
Coast FIRE Calculator FAQs
1. What is a Coast FIRE Calculator?
A Coast FIRE Calculator helps you determine how much money you need to invest now to stop contributing and still reach financial independence by retirement.
2. What does "Coast FIRE" mean?
Coast FIRE is a financial independence strategy where your current investments grow on their own until retirement without needing further contributions.
3. How do I use this Coast FIRE Calculator?
Input your age, retirement age, current savings, expected annual return, and target retirement amount to calculate your Coast FIRE number.
4. Who is this tool designed for?
This tool is perfect for early retirees, FIRE community members, and anyone working toward long-term financial independence.
5. Can I calculate my Coast FIRE number?
Yes, the calculator provides your personal Coast FIRE number based on your financial data and retirement goals.
6. Does this tool consider compound interest?
Yes, it uses compound interest formulas to project the future value of your current investments over time.
7. Can I use this for Roth IRA or 401(k) planning?
Absolutely! The tool can be used for retirement accounts like Roth IRA, 401(k), or any investment portfolio.
8. What is the benefit of reaching Coast FIRE?
Once you reach Coast FIRE, you no longer need to save for retirement—your existing investments will grow enough to support you in the future.
9. Does this calculator adjust for inflation?
Yes, it can factor in inflation when calculating your future retirement needs and real rate of return.
10. Is this tool useful for young professionals?
Yes, it’s especially helpful for younger investors who want to plan for financial independence early in life.
11. What assumptions does the calculator make?
The calculator assumes consistent annual returns and no additional contributions after reaching your Coast FIRE number.
12. Is this Coast FIRE Calculator mobile-friendly?
Yes, the tool is designed to work on all devices including smartphones, tablets, and desktops.
13. Can I save or print my Coast FIRE results?
Yes, you can easily save or print your results for your personal finance records or planning sessions.
14. Do I need financial knowledge to use this?
No prior financial knowledge is needed—the calculator is user-friendly and beginner-friendly.
15. Is this Coast FIRE tool really free?
Yes, the Coast FIRE Calculator is completely free to use with no registration or downloads required.
Use our free Coast FIRE Calculator to estimate how much money you need to reach coast financial independence. Discover the exact investment amount required to stop contributing and let your retirement savings grow passively. This tool is perfect for those pursuing FIRE (Financial Independence, Retire Early), especially the Coast FIRE strategy. Input your current age, retirement age, current savings, expected return rate, and desired retirement amount to see if you’ve hit your Coast FIRE number. Great for young professionals, early retirees, and long-term investors. Calculate retirement goal, compound interest growth, wealth accumulation, and FIRE milestones. Supports Roth IRA, 401(k), index funds, and other investment accounts. Get insights on financial freedom, early retirement savings, and passive income planning. Includes features for inflation adjustment, real rate of return, and future value projections. Mobile-friendly and easy to use for FIRE community members and personal finance enthusiasts. Find out how close you are to coasting to retirement and achieving true financial independence today!
