Free · Couples / household
Coast FIRE Calculator for Couples
Use combined annual spending and both partners’ invested accounts for one shared Coast FIRE number — optionally save it to one progress board.
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 do couples calculate Coast FIRE?
Same formulas as the solo Coast tool — inputs are household-combined.
Coast = (household spend ÷ SWR) ÷ (1 + real return)^years
- Enter the retirement lifestyle you share (annual spend).
- Add both partners’ retirement accounts and shared brokerage investments.
- Read the household Coast number; if one partner keeps earning, shorten years or use the Barista calculator.
Solo tool: Coast FIRE calculator.
Related tools
Switch assumptions for your household path.
Couples planning tips
Social Security / pensions
Subtract estimated annual Social Security or pensions from spend before running Coast — don’t treat benefits as a portfolio balance.
Different retirement ages
Use the later retirement age as the target, or model stages — one shared goal on the progress board stays clearer.
Couples Coast FIRE FAQ
Can couples share one Coast FIRE number?
- Yes — enter combined spending and combined invested assets. This page is built for that household view.
Is signup required?
- The calculator is free. An account is only for saving a shared goal and tracking progress.