Tool

Coast FIRE

The point where you can stop adding money and let compounding carry you the rest of the way to financial independence.

Your numbers

Current age

Retirement age

Annual spending in retirement

Current savings & investments

Real return %

After inflation. Coast FIRE is sensitive to this — try a conservative figure.

Safe withdrawal rate (sets your FI target)

4.0%

Your Coast FIRE number

Full FI target

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Years to grow

—

Your savings at retirement

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Find your FU number

Optional: after a number on the homepage calculator, a $2.99 worksheet called Your FU Number One-Pager is available. This tool stays free.

How the math works

Coast FIRE number = your full FI target ÷ (1 + real return)^(years to retirement). It's the amount that, left untouched, compounds to your FI target by your retirement age — so you no longer need to contribute, only cover your current expenses. The chart shows your current savings growing with no further contributions. Estimates only — not financial advice.