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Coast FIRE Calculator
Enter age, spending, portfolio, and assumptions — get your Coast FIRE number and fire number instantly. Optional account saves the plan so you can track progress later.
Coast FIRE calculator
Free — find your Coast FIRE number, then track progress.
Today's dollars
401(k), IRA, brokerage — exclude home equity
Affects years to coast and projected value, not the Coast number; set 0 to test if you've already hit Coast
Assumptions
Coast FIRE number
$355,528
USD
You need $285,528 more to coast (20% funded).
FIRE number
$1,250,000
Years to coast
14 yrs
You have
$70,000
Real return
3.88%
Projected value
$3M
Monthly spending
$10,055
Today's value
$3,741
How is the Coast FIRE number calculated?
The calculator follows the standard discount formula used across Coast FIRE guides.
Coast FIRE number = FIRE nest egg ÷ (1 + real return)^years left
- FIRE nest egg ≈ annual retirement spend ÷ safe withdrawal rate (often ~4%).
- Real return comes from your expected return after inflation.
- Years left = target retirement age − current age.
Want the full walkthrough with age tables and worked examples? Read Coast FIRE Number Explained.
Related Coast FIRE guides
Definitions and formulas that support this calculator.
Coast FIRE calculator FAQ
What does this Coast FIRE calculator show?
- Your Coast FIRE number (today’s invested target), your full FIRE nest egg, years to coast, and how far your current portfolio is from the Coast line.
How do I calculate my Coast FIRE number?
- Compute FIRE = spend ÷ SWR, then Coast = FIRE ÷ (1 + real return)^years left. This page does those steps from your inputs.
Is signup required to use the calculator?
- No. Anyone can run the numbers. Create an account only if you want to save the goal and log portfolio progress over time.
Which balances should I include?
- Invested retirement and brokerage money — 401(k), IRA, Roth, taxable brokerage, invested HSA. Most people exclude primary-home equity and near-term cash.
Is this the same as a coastfire calculator?
- Yes. Coast FIRE calculator, coastfire calculator, and fire coast calculator all refer to the same Coast number math.