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Coast FIRE Calculator

Coast FIRE is the point where your investments can grow to your full retirement number on their own. Enter your age, retirement age, spending and savings to see your FIRE number, your Coast FIRE number today and the age you'll reach it, plus a FIRE calculator for years to financial independence.

Updated November 4, 2026. Free, no sign-up; everything runs in your browser and nothing you type is stored.

Coast FIRE calculator

Your ageRetirement ageYearly spending in retirement (today's $)Safe withdrawal rate (%)

Real return after inflation (%)Invested now ($)Monthly investing until Coast FIRE ($)

–FIRE number

–Coast FIRE number today

–You reach Coast FIRE at

–Coast FIRE today?

FIRE calculator: years to financial independence

Take-home pay per year ($)Spending per year ($)Invested now ($)

–Savings rate

–Years to FIRE

–Target (spending ÷ withdrawal rate)

Uses the real return and withdrawal rate entered above.

What is Coast FIRE?

FIRE means financial independence, retire early. Your FIRE number is the portfolio that can fund your yearly spending: spending ÷ safe withdrawal rate. At 4%, $50,000 a year needs $1,250,000.

Coast FIRE is the point where you've invested enough that, with no more contributions, growth alone gets you to your FIRE number by retirement age. With 30 years to go at a 5% real return, that's $1,250,000 ÷ 1.05³⁰ = $289,222 today. After that you only need to earn enough to cover your current spending, which is why people use it to switch to lower-stress or part-time work.

Real return: use a return after inflation (for example, 5% if you expect 7–8% with 2–3% inflation), so all numbers stay in today's dollars.
Withdrawal rate: the 4% figure comes from research on 30-year retirements (the Trinity study). Early retirees with 40–50-year horizons often plan on 3–3.5%.
Lean, Barista and Fat FIRE just use different spending levels: lower spending, part-time income covering some costs, or a larger budget.

Common questions

How do I calculate my Coast FIRE number?

Divide your FIRE number by (1 + real return) raised to the years until retirement. $1,250,000 needed in 30 years at 5% is $289,222 today.

What is my FIRE number?

Yearly spending ÷ withdrawal rate. At 4%, multiply spending by 25: $40,000 a year needs $1,000,000.

Is the 4% rule safe for early retirement?

It was based on 30-year retirements. For 40+ years, many planners use 3–3.5% to leave more margin.

What's the difference between Coast FIRE and Barista FIRE?

Coast FIRE means your investments can grow to your target untouched while you cover today's bills. Barista FIRE means part-time income covers some of your spending in early retirement.

Should I use nominal or real returns?

Real (after inflation), so your FIRE number stays in today's dollars.

Sources

General information, not financial, tax or legal advice. Check important numbers with the official source before acting on them.