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Coast FIRE Calculator

Coast FIRE Calculator (Advanced)

Stop saving earlier — estimate future nest egg & required Coast FIRE amount, with inflation-adjusted targets.

Currency Choose display format
Current Age years
Retirement Age years
Current Invested Assets Selected currency
Annual Return Rate default 7%
Inflation Rate default 3%
Advanced Assumptions
Defaults Applied
Safe Withdrawal Rate (SWR) default 4%
Annual Spending at Retirement today's money
This version supports 10 global currencies for formatting only (no exchange conversion).
Target Nest Egg = inflated spending ÷ SWR.
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Results
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Your Nest Egg at Retirement
— future value
Future value of current assets with no further contributions.
Coast FIRE Number (Today)
— required today
Amount needed today so it grows to your retirement target.
Enter inputs and calculate to see if you are Coast FIRE.
Timeline Preview
— years
Now: — Retire: —
How it's calculated
Future Value
FV = PV × (1 + r)^n

Inflation-adjusted retirement spending
Spend_ret = Spend_today × (1 + i)^n

Target nest egg using SWR
Target = Spend_ret ÷ SWR

Coast FIRE number (needed today)
CoastToday = Target ÷ (1 + r)^n

Coast FIRE Calculator (Financial Independence)

Saving for retirement doesn’t have to mean grinding nonstop for decades. Many people pursuing Financial Independence discover Coast FIRE—a milestone where your current investments are projected to grow enough to fund retirement, even if you stop contributing today. The challenge? Figuring out when you actually reach that point. That’s exactly what our Coast FIRE Calculator is designed to solve.

This tool helps you calculate your personal Coast FIRE number by factoring in your current savings, expected returns, retirement age, and spending goals. Instead of guessing or building complex spreadsheets, you get a clear answer in seconds. If you’ve been searching for a practical coast fire calculator, this is your shortcut to clarity—and smarter financial planning.

Whether your goal is to downshift careers, work part-time, or simply reduce financial pressure, Coast FIRE shows you when compound interest can take over.

How to use this Coast FIRE Calculator

Getting your results is simple:

  • Enter your current age

  • Input your current investment balance

  • Add your target retirement age

  • Enter your expected annual return

  • Specify your desired retirement spending

  • Click Calculate

  • Instantly view your Coast FIRE number and progress

You can adjust inputs anytime to explore different scenarios.

Features of this Tool

Our Coast FIRE Calculator is built for real-world financial planning:

  • Calculates your personalized Coast FIRE number instantly

  • Shows how close you are to reaching Coast FIRE

  • Uses compound growth projections for accuracy

  • Simple inputs with easy-to-read results

  • Great for FIRE beginners and experienced planners alike

  • Works on desktop and mobile devices

  • No signup or downloads required

It turns abstract retirement goals into concrete numbers you can act on.

Why is this tool useful?

Using a coast fire calculator provides powerful benefits:

  • Helps you understand when you can stop aggressive saving

  • Supports career flexibility and lifestyle design

  • Reduces anxiety by giving clear financial milestones

  • Makes long-term planning easier and more motivating

  • Helps test “what-if” scenarios (returns, retirement age, spending)

  • Encourages smarter decisions about work, savings, and investing

Reaching Coast FIRE doesn’t mean you’re retired—it means you’ve bought yourself options. You can pursue meaningful work, start a business, or simply enjoy more balance, knowing your retirement is already on track.

FAQ

1) What is Coast FIRE?
Coast FIRE means you’ve saved enough that your investments should grow to fund retirement—without adding more contributions.

2) Is this Coast FIRE Calculator free?
Yes. You can calculate your Coast FIRE number online at no cost.

3) Do I still need to work after reaching Coast FIRE?
Usually, yes—but income can cover current living expenses instead of retirement savings.

4) Are the results guaranteed?
No. The calculator uses estimated returns. Real markets vary, so results are projections—not financial advice.

If you’re ready to see when your investments can start doing the heavy lifting, this Coast FIRE Calculator (Financial Independence) gives you the insight you need to plan with confidence—and move closer to true financial freedom.

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