Life Scenario Hub

Coast FIRE Life Scenario Calculators

Each calculator isolates inputs that change in a particular household or life event. Choose the model closest to the question you want to test.

Coast FIRE Calculator for Couples

Combine two ages, separate balances, and individual contribution streams into one household Coast FIRE model.

Model defined-benefit pension payouts starting at full or early retirement age to reduce your required portfolio.

Incorporate expected Social Security benefits at age 62, FRA, or 70 to lower your pre-retirement target.

Model a job loss with severance, cash, temporary income, and job-search duration without drawing from retirement investments.

See how a home down payment, mortgage, housing costs, and money taken from investments change your Coast FIRE plan.

Model temporary pre-retirement family costs, 529 education savings, and overlapping retirement expenses separately.

Model phase-aware retirement spending, temporary mortgage overlap, extra principal payments vs investing, and portfolio payoff.

Compare current vs post-move income, living costs, one-time moving expenses, and destination retirement spending.

Compare debt payoff and retirement compounding across different Coast FIRE contribution splits.

Model sole-earner income, dependent childcare runway, emergency buffers, and single-parent retirement milestones.

The main calculator models the standard Coast FIRE target; the tools directory lists all specialized calculators by purpose.