Coast FIRE Calculator ⛵

Find out when you can stop saving and still reach FIRE

Based on 7% real returns and compound growth to your target retirement age

Your current age
When you want to retire
$
Total amount currently saved
$
How much you plan to spend per year in retirement
$
How much you save/invest per month (leave blank to ignore)
$
Include mortgage, student loans, credit cards, etc.
$
Total monthly payments toward all debts
⚙️ Advanced Settings & Assumptions
%
Real return (after inflation). Historical S&P 500 average is ~7%
%
Average US inflation is ~3% historically
%
The 4% rule is standard, but you can adjust based on risk tolerance

About Coast FIRE

Coast FIRE means you have enough saved that compound growth alone will reach your full FIRE number by your target retirement age. You can "coast" without saving more for retirement, though you still need to cover your current living expenses.

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