Coast FIRE · The next step
Find clear answers to your Coast FIRE calculator questions. Explore a work change, check your assumptions, or work through the details of retirement.
Browse a topic or search by age, account, career or life event. These are explanations of the site’s models; the right personal decision can require information beyond a calculator.
68 calculators & scenarios
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YOUR NEXT QUESTION 3 tools & scenarios
Find your target, interpret the gap and understand what the model can tell you.
Use your age, retirement age, annual retirement spending and assumptions to estimate a current target. Compare it with your invested balance; current living costs still need funding.
Coast FIRE CalculatorA single annual spending figure can hide a temporary shortfall. The advanced model separates spending phases and recurring income so you can explore how their timing changes the target.
Advanced Coast FIRE CalculatorCompare current investments with the modeled target, then explore the lump sum or ongoing savings needed to close the difference.
Coast FIRE Gap CalculatorYOUR NEXT QUESTION 12 tools & scenarios
Explore every age calculator, your contribution timeline and the years before retirement income starts.
Enter contributions as well as your balance. The date tool projects when those contributions and assumed growth could meet the changing Coast target; an estimated date is conditional on those inputs.
Coast FIRE Date CalculatorRetiring earlier changes both the growth horizon and the years you need to fund. Model an age-55 retirement, then examine bridge funding and withdrawal assumptions.
Retire at 55 CalculatorModel the temporary spending gap before a pension or other retirement income begins. A later income stream does not pay for the earlier bridge years.
Bridge Years CalculatorStart the model at 25, then enter your investments, spending and retirement age. Your age alone does not determine a target: the growth horizon and spending assumptions matter too. Compare another retirement age to see the effect.
Coast FIRE at Age 25Start the model at 30, then enter your investments, spending and retirement age. Your age alone does not determine a target: the growth horizon and spending assumptions matter too. Compare another retirement age to see the effect.
Coast FIRE at Age 30Start the model at 35, then enter your investments, spending and retirement age. Your age alone does not determine a target: the growth horizon and spending assumptions matter too. Compare another retirement age to see the effect.
Coast FIRE at Age 35Start the model at 40, then enter your investments, spending and retirement age. Your age alone does not determine a target: the growth horizon and spending assumptions matter too. Compare another retirement age to see the effect.
Coast FIRE at Age 40Start the model at 45, then enter your investments, spending and retirement age. Your age alone does not determine a target: the growth horizon and spending assumptions matter too. Compare another retirement age to see the effect.
Coast FIRE at Age 45Start the model at 50, then enter your investments, spending and retirement age. Your age alone does not determine a target: the growth horizon and spending assumptions matter too. Compare another retirement age to see the effect.
Coast FIRE at Age 50Start the model at 55, then enter your investments, spending and retirement age. Your age alone does not determine a target: the growth horizon and spending assumptions matter too. Compare another retirement age to see the effect.
Coast FIRE at Age 55Start the model at 60, then enter your investments, spending and retirement age. Your age alone does not determine a target: the growth horizon and spending assumptions matter too. Compare another retirement age to see the effect.
Coast FIRE at Age 60Start the model at 65, then enter your investments, spending and retirement age. Your age alone does not determine a target: the growth horizon and spending assumptions matter too. Compare another retirement age to see the effect.
Coast FIRE at Age 65YOUR NEXT QUESTION 5 tools & scenarios
Compare the assumptions, costs and return patterns that change your result.
Compare return, inflation, retirement age and withdrawal-rate inputs. A lower target in one scenario reflects different assumptions, not greater certainty.
Coast FIRE Assumption LabThe main model adjusts growth for inflation and reports purchasing power in today’s dollars. Use the inflation tool to explore how different price-growth assumptions change the result.
Inflation CalculatorCompare investment costs over the selected horizon. Fees reduce the growth left to compound, so even the same gross return can produce different portfolio projections.
Investment Fee Impact CalculatorCompare different orders of returns while taking withdrawals. A smooth annual-growth projection does not capture the effect of drawing from a portfolio during a decline.
Sequence of Returns Risk CalculatorKeep a baseline and compare alternative spending, retirement timing or work scenarios. Change one variable first to see what drives the difference.
Scenario ComparisonYOUR NEXT QUESTION 4 tools & scenarios
Connect retirement income and healthcare costs with the years they affect.
Enter the pension amount and when it begins. Compare spending before and after that income starts, rather than subtracting a later pension from every year’s expenses.
Coast FIRE Calculator with PensionUse your own benefit estimate and selected start age. The model explores how that income affects portfolio needs; it does not determine your benefit entitlement.
Coast FIRE Calculator with Social SecurityCompare cumulative benefits under selected claiming scenarios. A mathematical break-even age is one comparison and does not capture every household or tax consideration.
Social Security Break-Even CalculatorEnter healthcare costs and the years before your next coverage phase. Include those costs in the cash-flow plan and check the tool’s assumptions against your actual coverage.
Early Retirement Health Insurance CalculatorYOUR NEXT QUESTION 6 tools & scenarios
Explore accessible money, account withdrawals and conversion models.
Estimate the capital needed in a bridge account for the years you enter. Compare accessible investments separately from the total retirement portfolio.
Retirement Bridge Account CalculatorMap conversion amounts and the waiting timeline, then compare it with annual spending needs. A schedule illustrates cash flow; account history and tax rules still determine actual access.
Roth Conversion Ladder CalculatorCompare a conversion amount using the tax-rate assumptions you enter. Review the projected tax cost and growth separately from the question of when funds can be withdrawn.
Roth Conversion CalculatorModel workplace-plan withdrawals with the Rule of 55 tool and read its eligibility notes. A calculation alone does not establish that a particular plan or separation qualifies.
Rule of 55 CalculatorExplore periodic-payment estimates using the tool’s methods and assumptions. The model does not establish eligibility or that a payment schedule complies with your account’s requirements.
72(t) SEPP CalculatorEstimate taxes, a selected penalty and net proceeds. Compare those costs with the loss of invested capital; actual taxes and exceptions depend on the circumstances.
401(k) Early Withdrawal CalculatorYOUR NEXT QUESTION 7 tools & scenarios
Model a household, dependents, housing changes and debt payments.
Bring both ages, investment balances and contribution streams into a household model. Separate retirement dates matter when one person continues working after the other stops.
Coast FIRE Calculator for CouplesModel the balance removed from investments and the change in ongoing housing costs. A home purchase can change both the portfolio you start with and the cash available to save.
Coast FIRE While Buying a HouseSeparate temporary family costs, education savings and expenses that continue into retirement. Treating all childcare costs as permanent can distort the retirement target.
Coast FIRE With KidsModel mortgage overlap with retirement, extra payments and a portfolio-funded payoff. Compare cash-flow relief with the investments used; the model does not select a universally better choice.
Coast FIRE With a MortgageCompare income and living costs before and after a move, one-time moving costs and destination retirement spending. A cheaper destination can still have a costly transition.
Coast FIRE Relocation CalculatorCompare debt payments and the cash left for contributions using your own loan inputs. A modeled payoff-versus-investing comparison depends on both borrowing and growth assumptions.
Coast FIRE With Student LoansAccount for household income, dependent costs and cash buffers separately from retirement investments. Use the single-parent model to explore the runway and retirement impact.
Coast FIRE for Single ParentsYOUR NEXT QUESTION 8 tools & scenarios
Compare income, cash runway and contributions when your working life changes.
Compare work hours and take-home income with living costs and contributions. Reaching a Coast target does not remove the need to cover expenses while the portfolio grows.
Part-Time Work CalculatorModel severance, cash, temporary income and job-search duration. Explore the contribution pause separately from retirement investments so the cash runway is clear.
Coast FIRE After a Job LossCompare the transition’s income and costs with your existing plan. A lower salary may reduce future contributions even when the current modeled Coast target is already funded.
Coast FIRE Career Change CalculatorCompare current and proposed pay after the costs you enter. Look at the remaining monthly cash and retirement contributions before interpreting the change in your plan.
Coast FIRE Pay Cut CalculatorEnter the break’s duration, spending and available funding. Model paused contributions and any portfolio draw separately, then compare the result with continuing to work.
Coast FIRE Sabbatical CalculatorExplore compensation and vesting scenarios alongside your Coast target. The calculator can quantify the entered financial tradeoff, but cannot put a price on wellbeing.
Golden Handcuffs Calculator for Coast FIRECompare a new role’s compensation with your living costs and benefits assumptions. Review whether the entered income covers spending during the coasting phase.
Lower-Stress Job Coast FIRE CalculatorUse the zero-contribution scenario to estimate the income needed for entered expenses. A spending surplus or shortfall is separate from whether the retirement target is funded.
Coast FIRE Minimum Income CalculatorYOUR NEXT QUESTION 4 tools & scenarios
Understand how spending and ongoing work distinguish different FIRE approaches.
Barista FIRE models ongoing part-time income alongside portfolio support for spending. Coast FIRE focuses on growing an existing portfolio toward a later retirement target.
Barista FIRE CalculatorEnter a lower annual spending level in the Lean FIRE model and compare the portfolio requirement. The spending amount you choose drives the result; the label does not guarantee affordability.
Lean FIRE CalculatorUse the Chubby FIRE model for a higher retirement-spending scenario. Compare the portfolio requirement with a baseline budget under the same assumptions.
Chubby FIRE CalculatorUse the Fat FIRE model with your own spending figure. Higher spending increases the modeled portfolio requirement when the withdrawal-rate assumption stays the same.
Fat FIRE CalculatorYOUR NEXT QUESTION 9 tools & scenarios
Find all seven career models and the Canada and UK calculators.
Model a physician career using your income, investments and loan assumptions. The timeline helps distinguish delayed saving during training from later contributions.
Doctor Coast FIRE CalculatorExplore an engineering career scenario with your compensation and savings inputs. Compare the plan with and without uncertain compensation rather than treating it as guaranteed.
Engineer Coast FIRE CalculatorUse your own freelance income, expenses and contribution assumptions. Compare a weaker-income scenario to understand how variable cash flow affects the plan.
Freelance Coast FIRE CalculatorBring your workplace savings and pension assumptions into the government-career model. Use your actual plan information rather than assuming every public-sector role has the same benefits.
Government Employee Coast FIRE CalculatorExplore service-related retirement inputs and a post-service work scenario using your own figures. Pension eligibility and benefits must come from your actual service record.
Military Coast FIRE CalculatorCompare nursing income and work-pattern assumptions with your spending needs. Reduced shifts can change both current cash flow and the amount available to invest.
Nurse Coast FIRE CalculatorModel your pension, workplace accounts and teaching exit date. Separate leaving teaching from the date pension payments begin so any funding gap remains visible.
Coast FIRE Calculator for TeachersUse the Canadian model for its account and retirement-income inputs, including RRSP, TFSA, CPP and OAS. Enter your own figures and check the page’s assumptions for the modeled years.
Canada Coast FIRE CalculatorUse the UK model to explore ISA investments, pension timing and State Pension income. Separate accessible bridge funds from assets intended for later retirement.
UK Coast FIRE CalculatorYOUR NEXT QUESTION 10 tools & scenarios
Start with a common annual amount, then replace the other defaults with your own figures.
Start with $40,000 of annual income and replace the example expenses, investments and assumptions. Salary affects cash available to save; it does not determine a Coast target without spending and timeline inputs.
$40K annual incomeStart with $50,000 of annual income and replace the example expenses, investments and assumptions. Salary affects cash available to save; it does not determine a Coast target without spending and timeline inputs.
$50K annual incomeStart with $60,000 of annual income and replace the example expenses, investments and assumptions. Salary affects cash available to save; it does not determine a Coast target without spending and timeline inputs.
$60K annual incomeStart with $80,000 of annual income and replace the example expenses, investments and assumptions. Salary affects cash available to save; it does not determine a Coast target without spending and timeline inputs.
$80K annual incomeStart with $100,000 of annual income and replace the example expenses, investments and assumptions. Salary affects cash available to save; it does not determine a Coast target without spending and timeline inputs.
$100K annual incomeStart with $40,000 of annual retirement spending, then change your age, retirement age and assumptions. This is a starting scenario, not a recommended budget or guaranteed withdrawal amount.
$40K annual spendingStart with $50,000 of annual retirement spending, then change your age, retirement age and assumptions. This is a starting scenario, not a recommended budget or guaranteed withdrawal amount.
$50K annual spendingStart with $60,000 of annual retirement spending, then change your age, retirement age and assumptions. This is a starting scenario, not a recommended budget or guaranteed withdrawal amount.
$60K annual spendingStart with $80,000 of annual retirement spending, then change your age, retirement age and assumptions. This is a starting scenario, not a recommended budget or guaranteed withdrawal amount.
$80K annual spendingStart with $100,000 of annual retirement spending, then change your age, retirement age and assumptions. This is a starting scenario, not a recommended budget or guaranteed withdrawal amount.
$100K annual spendingEach tool opens with example inputs. Replace them with your own numbers.
Before you compare scenarios
Start here for the formula, inputs and meaning of a Coast FIRE result.
Get help with unexpected results →Coast FIRE is a retirement-planning concept: an existing investment portfolio is modeled to grow to a future retirement target without further retirement contributions. Income is still needed for living costs during the years before retirement. FIRE stands for Financial Independence, Retire Early.
Understand Coast FIRE →First divide annual retirement spending by the withdrawal-rate assumption to get a retirement portfolio target. Then divide that target by (1 + the modeled annual real return) raised to the number of years until retirement. The calculator adjusts nominal return for investment fees and inflation.
Follow the formula →Include retirement investments such as a 401(k), IRA and taxable investment account if they are part of your retirement model. Keep money reserved for near-term spending or emergencies separate if it will not remain invested toward retirement. A home value is not an invested portfolio balance in this model. Account-access rules and taxes need separate analysis.
Explore the detailed model →Yes. Enter the annual spending you want the portfolio to cover in today’s purchasing power. This calculator uses an inflation-adjusted return, so its targets and projected balances are also expressed in today’s dollars. Increasing spending for inflation again would mix two different units.
Explore inflation inputs →There is no single return that applies to every portfolio or future period. The default is a model input, not a forecast. Compare multiple return, inflation and fee assumptions and observe how the target changes. A constant-return projection does not reproduce market volatility.
Understand return assumptions →No. The withdrawal-rate input converts spending into a mathematical portfolio target. It does not guarantee that withdrawals will last for a particular retirement period. Investment returns, inflation, taxes, fees and the timing of withdrawals can change outcomes.
Understand withdrawal rates →Current age and selected retirement age determine the growth horizon. With a positive modeled real return, fewer years of growth produce a higher current target for the same retirement spending. If the real return is zero or negative, the relationship changes.
Compare starting ages →Yes. The zero-contribution assumption isolates the growth of the existing portfolio; it is not an instruction to change savings. Adding contributions changes the projected balance and possible target-crossing date, while the basic Coast FIRE number still depends on spending, time and assumptions.
Explore what happens next →No. A Coast FIRE target is the current amount modeled to grow toward a later retirement target. It does not establish that current living expenses can be funded from the portfolio today. The calculator also does not determine job, insurance, tax or account-access decisions.
Interpret the threshold →The basic calculator models spending funded by the portfolio. Use the pension or Social Security calculator to enter recurring income and its starting age. Income that starts later can leave a spending gap in the years before it begins.
Model pension income →Full FIRE models a portfolio intended to fund spending from the selected retirement date. Coast FIRE models the smaller current portfolio that may grow toward a later target. Barista FIRE incorporates ongoing work income that offsets part of current spending. The assumptions and timing matter in each comparison.
Compare FIRE models →Calculations run in your browser. Copy Link puts your calculator inputs in the URL, so anyone with that link can see them. CSV and print exports include your displayed inputs and results. Loading an example replaces the inputs without publishing them. Question suggestions are a separate action; omit personal account details.
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