Coast FIRE Calculator

USD · Today's dollars

Coast FIRE Calculator

See if invested savings could reach a retirement target with no further contributions. The filled-in numbers are an example, not advice.

Your figures

Required. Whole years, 18 to 80.

Required. Whole years, 18 to 100. Same age is allowed.

Required. USD today, up to 2 decimal places.

Required. USD per year today. 0 is allowed.

Required. USD per year in today's dollars. Use 0 if you add nothing.

Assumptions Real return 5.00% · Withdrawal rate 4.00%

Examples, not a recommendation.

Required. Percent after inflation, -99.99 to 12.00.

Required. Percent from 0.01 to 10.00. Used only to set the target.

USD today. One fixed real return. Not a forecast or investment advice.

Enter figures and calculate. Your entries stay in this page.

Method and sources

The retirement target is annual spend divided by the withdrawal rate. Today's coast number is that target discounted by the real return for the years remaining. Contributions are added at the end of each year until the coast year, then they stop in this estimate. The starting year adds none. Reaching coast is not a date to retire, and living expenses continue.

Shown dollars round half-up to the cent. The reach test uses the exact amount. Figures stay in USD. This page does not convert currencies.