Financial independence calculator

Coast FIRE Calculator

Estimate how much invested today could compound to a retirement target without further contributions. Compare the Coast FIRE number with your current invested portfolio.

Coast FIRE number today—

Difference from current portfolio—

Projected portfolio at retirement—

Coast comparison—

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Current progress

Portfolio versus Coast FIRE number

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Full FIRE number in today’s money—

Inflation-adjusted annual return—

Coast FIRE formula

The full retirement target is divided by (1 + real return)^{years to retirement}. The model then compares that amount with the current invested portfolio and assumes no new contributions.

Meaning

Reaching a Coast FIRE number does not fund current living costs.

It only means the entered portfolio is mathematically large enough to reach the modeled retirement target if every assumption holds and the assets remain invested.

Read how retirement portfolio targets are built →

Include ongoing saving

Model future monthly contributions instead.

The FIRE calculator estimates the time to the same type of target while continuing to invest each month.

Open FIRE calculator