Coast FIRE Calculator

Coast FIRE: if you stopped contributing today, would compounding still hit your FI target by retirement? Click any i for detail.

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Coast FI

Current age i Current age Your age now.
Retirement age i Retirement age When you want the FI portfolio ready.
Annual spend in retirement ($) i Spend Today’s dollars for annual withdrawal need.
Safe withdrawal rate (%) i SWR Common sketch is 3–4%.
Expected real return (%) i Real return After-inflation annual return sketch.
Invested today ($) i Invested Current invested assets (not home equity unless you count it).

How to use this calculator

Set ages and target annual spend.
Pick SWR and a real return.
Enter what you have invested today.
See whether you are already coasting.

Results explained

FI target = spend ÷ SWR. Coast number today = FI target ÷ (1 + real return)^years. If invested ≥ coast number, you can theoretically stop new contributions.

Quick reference: Coast FIRE

Vocabulary.

Item	Detail
FIRE target	spend ÷ SWR
Coast number	target ÷ (1+r)^years
Lean / barista FIRE	Different spend assumptions
Sequence risk	Not modeled

Healthcare, Social Security, and pensions are outside this sketch.

How the estimate is built

coast = (spend / SWR) / (1 + real)^years_to_retire.

Example scenario

$60k spend at 4% SWR is a $1.5M target. 28 years at 5% real → coast number today ≈ $382k.

FAQ

Is Coast FIRE guaranteed?

No. Returns, inflation, and spending change.

Should I really stop contributing?

That’s a plan choice. This only tests the math.

What about my house?

Only count it if it will fund retirement spend.