Coast FIRE Planner

Coast FIRE Calculator

Find the month you can stop saving for retirement and let compound growth carry you the rest of the way.

Free · No sign-up · Your numbers stay in your browser

Your coast age39

You can coast at 39

That's 7 years 7 months from now. Keep saving $1,500 a month until then, and growth alone takes you to $1,000,000 by 60.

FIRE number$1,000,000$40,000 a year at 4%
Coast number today$300,277Enough now means you can stop saving
Invested today$185,00062% of today's coast number
Odds of success50%of 1,000 simulated markets

Estimates based on your assumptions, in today's money. Educational only, not financial advice.

Your portfolio reaches $1M by 60

Your portfolioNeeded to coast
$0$300K$600K$900K$1.2MFIRE number $1MCoast · age 39323843495460

Age

What if…

Save $250 more a monthCoast in 6 yr 4 mo1 yr 3 mo sooner
Retire at 62 instead of 60Coast in 5 yr 9 mo1 yr 10 mo sooner
Returns 1 point lower (6%)Coast in 14 yr 6 mo6 yr 11 mo later
Pay 0.5% a year in feesCoast in 10 yr 8 mo3 yr 1 mo later

Stopping right at the coast line reaches $1M in 50% of simulated markets. Saving 3 years longer lifts that to 57%.

Your numbers

You
Money
$
$
%

On top of inflation, e.g. as your pay grows.

$

In today's money. Leave out pensions you expect, such as Social Security or CPP.

%
%

Fund and advisor fees per year. Index funds often charge about 0.2%.

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%

Real return used: 4.39% a year after inflation and fees.

Remind me on my coast date

We'll email you once a year to check in. You tell us your balance; we tell you if you've made it.

We'll send a confirmation email first. Unsubscribe anytime; that deletes everything we stored.

How this Coast FIRE calculator works

Coast FIRE means you already have enough invested that, without adding another dollar, growth alone will reach your FIRE number by retirement. From then on, your paycheck only has to cover today's bills.

FIRE number = yearly spending ÷ withdrawal rate
Real return = (1 + return − fees) ÷ (1 + inflation) − 1
Coast number = FIRE number ÷ (1 + real return)years to retirement
Coast date = the first month your portfolio reaches the coast number for that point in time

Example: spending $40,000 a year at a 4% withdrawal rate gives a $1,000,000 FIRE number. With 7% returns and 2.5% inflation (4.39% real), a 32-year-old retiring at 60 needs $300,277 invested today to coast.

Questions

What is Coast FIRE?

Having enough invested that growth alone reaches your FIRE number by retirement age. You keep working to pay for today, but you no longer need to save for later.

What return should I use?

We default to 7% before inflation. Use a lower number if more of your money is in bonds or cash, and check how the result changes with the what-if rows.

Is the 4% rule safe for an early retirement?

It comes from studies of 30-year retirements. Many planners use 3–3.5% for longer ones. Change the withdrawal rate under Assumptions to see the effect.

Does it include Social Security or CPP?

Not directly. Lower your yearly spending by the pension you expect, in today's money.

How are the odds of success calculated?

We simulate 1,000 possible markets with yearly swings of about 15% around your expected return, and count how many reach your FIRE number by your retirement age.