Coast FIRE Calculator - Plan Your Financial Independence
Discover how much you need to save today to reach financial independence. Our Coast FIRE calculator shows you the exact amount needed to let your money grow on its own until retirement.
Why Use Our Coast FIRE Calculator?
Scientific Accuracy
Our calculator uses proven financial formulas based on the 4% withdrawal rule (Trinity Study, 1998) and compound interest calculations. Get reliable results you can trust for your retirement planning.
Privacy First
All calculations happen in your browser. We never store or transmit your financial data. Your sensitive information stays completely private and secure on your device.
Free & Unlimited
Use our calculator as many times as you need, completely free. No registration, no hidden fees, no credit card required. Access all features without any limitations.
Real-Time Results
See your Coast FIRE number update instantly as you adjust your inputs. Interactive calculations help you understand how different factors affect your financial independence timeline.
Related Coast FIRE Calculators
Explore our specialized Coast FIRE calculators for different scenarios and planning needs.
Coast FIRE by Age
See Coast FIRE benchmarks by age group. Compare your progress to typical targets for different ages and income levels.
Coast FIRE for Couples
Plan Coast FIRE together with your partner. Account for dual incomes, combined expenses, and coordinated retirement timelines.
International Calculator
Calculate Coast FIRE in multiple currencies (USD, EUR, GBP, CAD, AUD, INR) with region-specific considerations.
Coast FIRE with Pension
Factor in 401(k), defined benefit pensions, or both to get a more accurate retirement target with pension income.
What is Coast FIRE?
Coast FIRE (Coast Financial Independence Retire Early) is a financial independence strategy where you save enough money early in your career that you can stop making retirement contributions and let your existing savings grow through compound interest until retirement age. Unlike traditional FIRE, you don't need to save enough to retire immediately - you just need enough to 'coast' to retirement.
The Coast FIRE number is the amount you need to have saved today so that it will grow to your full retirement needs by your target retirement age. For example, if you need $1 million at age 65 and you're currently 30, you might only need $200,000 saved today (assuming 7% annual returns). Once you hit your Coast FIRE number, you can reduce your savings rate, switch to a lower-paying but more fulfilling job, or simply have more financial flexibility.
Our Coast FIRE calculator helps you determine your exact Coast FIRE number based on your current age, target retirement age, current savings, and annual expenses. The calculator uses the widely-accepted 4% withdrawal rule and assumes a 7% annual investment return, which are standard assumptions in retirement planning. Try our <a href='/coast-fire-calculator' class='link link-primary'>full calculator</a> for more advanced features including pension and social security projections.
Frequently Asked Questions
Coast FIRE is a financial independence milestone where you've saved enough money that it will grow to your full retirement needs without additional contributions. You can 'coast' to retirement by letting compound interest do the work, giving you the freedom to reduce your savings rate or pursue lower-paying but more fulfilling work.
Your Coast FIRE number is calculated by determining how much you need in retirement (annual expenses ÷ 4% withdrawal rate), then discounting that amount back to present value using compound interest. Our calculator does this automatically - just enter your current age, retirement age, current savings, and annual expenses to get your personalized Coast FIRE number.
Yes, our Coast FIRE calculator is completely free with no limitations. You can use it as many times as you want without registration or payment. All calculations happen in your browser, so your financial data stays private and secure.
Regular FIRE (Financial Independence Retire Early) means saving enough to retire completely and live off your investments immediately. Coast FIRE is a milestone you reach earlier - you've saved enough that you can stop contributing to retirement and let your existing savings grow until your target retirement age. Coast FIRE gives you financial flexibility sooner, while regular FIRE gives you complete financial independence.
Our calculator uses standard financial formulas based on the 4% withdrawal rule (Trinity Study, 1998) and compound interest calculations. We assume a 7% annual return, which is conservative based on historical S&P 500 performance (10% nominal, ~7% after inflation). However, actual results will vary based on market conditions, inflation, and your specific investment choices. This calculator does not account for taxes, fees, or investment expenses. Use this as a planning tool, not a guarantee.
Ready to Plan Your Coast FIRE Journey?
Use our advanced calculator with pension, social security, and detailed projections to create your complete Coast FIRE plan.
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