THE COAST FIRE TOOLKIT
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Find your Coast FIRE tool.
From your first number to a change in work or life. Choose a category, find a question that sounds like yours, and make the inputs your own.
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01 / EXPLORE
Your Coast FIRE number
Find your target, interpret the gap and understand what the model can tell you.
How much do I need invested to reach Coast FIRE?
Use your age, retirement age, annual retirement spending and assumptions to estimate a current target.
Open calculatorWhat if my retirement spending or income changes in phases?
A single annual spending figure can hide a temporary shortfall.
Open calculatorHow far am I from my Coast FIRE number?
Compare current investments with the modeled target, then explore the lump sum or ongoing savings needed to close the difference.
Open calculator02 / EXPLORE
Dates & retirement timing
Project a contribution timeline, compare retirement at 55, or model the years before retirement income begins.
When could I reach Coast FIRE if I keep saving?
Enter contributions as well as your balance.
Open calculatorHow does retiring at 55 change the plan?
Retiring earlier changes both the growth horizon and the years you need to fund.
Open calculatorHow do I fund the years before retirement income starts?
Model the temporary spending gap before a pension or other retirement income begins.
Open calculator03 / EXPLORE
Coast FIRE by age
Start at your current age, then adjust spending and your retirement timeline.
What is my Coast FIRE number at age 25?
Start the model at 25, then enter your investments, spending and retirement age.
Open calculatorWhat is my Coast FIRE number at age 30?
Start the model at 30, then enter your investments, spending and retirement age.
Open calculatorWhat is my Coast FIRE number at age 35?
Start the model at 35, then enter your investments, spending and retirement age.
Open calculatorWhat is my Coast FIRE number at age 40?
Start the model at 40, then enter your investments, spending and retirement age.
Open calculatorWhat is my Coast FIRE number at age 45?
Start the model at 45, then enter your investments, spending and retirement age.
Open calculatorWhat is my Coast FIRE number at age 50?
Start the model at 50, then enter your investments, spending and retirement age.
Open calculatorWhat is my Coast FIRE number at age 55?
Start the model at 55, then enter your investments, spending and retirement age.
Open calculatorWhat is my Coast FIRE number at age 60?
Start the model at 60, then enter your investments, spending and retirement age.
Open calculatorWhat is my Coast FIRE number at age 65?
Start the model at 65, then enter your investments, spending and retirement age.
Open calculator04 / EXPLORE
Returns, inflation & risk
Compare the assumptions, costs and return patterns that change your result.
How sensitive is my Coast FIRE number to the assumptions?
Compare return, inflation, retirement age and withdrawal-rate inputs.
Open calculatorDoes the calculator account for inflation?
The main model adjusts growth for inflation and reports purchasing power in today’s dollars.
Open calculatorHow much do investment fees change long-term growth?
Compare investment costs over the selected horizon.
Open calculatorWhat if poor investment returns happen early in retirement?
Compare different orders of returns while taking withdrawals.
Open calculatorHow can I compare several Coast FIRE plans side by side?
Keep a baseline and compare alternative spending, retirement timing or work scenarios.
Open calculator05 / EXPLORE
Family, housing & debt
Model a household, dependents, housing changes and debt payments.
How do we calculate Coast FIRE as a couple?
Bring both ages, investment balances and contribution streams into a household model.
Open calculatorWhat happens if I use investments for a home down payment?
Model the balance removed from investments and the change in ongoing housing costs.
Open calculatorHow do children and education costs change Coast FIRE?
Separate temporary family costs, education savings and expenses that continue into retirement.
Open calculatorHow do I compare paying off a mortgage with investing?
Model mortgage overlap with retirement, extra payments and a portfolio-funded payoff.
Open calculatorCould moving change my Coast FIRE plan?
Compare income and living costs before and after a move, one-time moving costs and destination retirement spending.
Open calculatorHow do student loans affect my ability to coast?
Compare debt payments and the cash left for contributions using your own loan inputs.
Open calculatorHow do I model Coast FIRE with one income and dependents?
Account for household income, dependent costs and cash buffers separately from retirement investments.
Open calculator06 / EXPLORE
Work changes & time off
Compare income, cash runway and contributions when your working life changes.
What changes if I switch to part-time work?
Compare work hours and take-home income with living costs and contributions.
Open calculatorHow long could my cash last after a job loss?
Model severance, cash, temporary income and job-search duration.
Open calculatorHow would a career change affect my Coast FIRE timeline?
Compare the transition’s income and costs with your existing plan.
Open calculatorWhat would a pay cut do to my monthly cash flow?
Compare current and proposed pay after the costs you enter.
Open calculatorHow can I model a sabbatical or career break?
Enter the break’s duration, spending and available funding.
Open calculatorHow do I compare leaving now with waiting for equity or bonuses?
Explore compensation and vesting scenarios alongside your Coast target.
Open calculatorWhat income would a lower-stress job need to provide?
Compare a new role’s compensation with your living costs and benefits assumptions.
Open calculatorWhat take-home income covers my costs while coasting?
Use the zero-contribution scenario to estimate the income needed for entered expenses.
Open calculator07 / EXPLORE
Pensions & healthcare
Connect retirement income and healthcare costs with the years they affect.
How does a pension affect my Coast FIRE target?
Enter the pension amount and when it begins.
Open calculatorHow does Social Security fit into the calculation?
Use your own benefit estimate and selected start age.
Open calculatorHow can I compare Social Security claiming ages?
Compare cumulative benefits under selected claiming scenarios.
Open calculatorHow do healthcare costs affect early retirement?
Enter healthcare costs and the years before your next coverage phase.
Open calculator08 / EXPLORE
Accounts & bridge funding
Explore accessible money, account withdrawals and conversion models.
How much accessible money might I need before using retirement accounts?
Estimate the capital needed in a bridge account for the years you enter.
Open calculatorHow can I model a Roth conversion ladder?
Map conversion amounts and the waiting timeline, then compare it with annual spending needs.
Open calculatorWhat could a Roth conversion cost in taxes?
Compare a conversion amount using the tax-rate assumptions you enter.
Open calculatorHow do I explore the Rule of 55 in an early-retirement plan?
Model workplace-plan withdrawals with the Rule of 55 tool and read its eligibility notes.
Open calculatorHow can I compare 72(t) SEPP payment methods?
Explore periodic-payment estimates using the tool’s methods and assumptions.
Open calculatorWhat might an early 401(k) withdrawal leave after costs?
Estimate taxes, a selected penalty and net proceeds.
Open calculator09 / EXPLORE
Compare FIRE models
Understand how spending and ongoing work distinguish different FIRE approaches.
How is Barista FIRE different from Coast FIRE?
Barista FIRE models ongoing part-time income alongside portfolio support for spending.
Open calculatorHow does a lower retirement budget change the target?
Enter a lower annual spending level in the Lean FIRE model and compare the portfolio requirement.
Open calculatorHow can I model more room for travel and discretionary spending?
Use the Chubby FIRE model for a higher retirement-spending scenario.
Open calculatorWhat portfolio target matches a much higher retirement budget?
Use the Fat FIRE model with your own spending figure.
Open calculator10 / EXPLORE
Career calculators
Use your own income and benefits in a model for your profession.
How do training years and physician income affect Coast FIRE?
Model a physician career using your income, investments and loan assumptions.
Open calculatorHow can engineers model salary and equity compensation?
Explore an engineering career scenario with your compensation and savings inputs.
Open calculatorHow can I model Coast FIRE with irregular freelance income?
Use your own freelance income, expenses and contribution assumptions.
Open calculatorHow do I explore Coast FIRE as a government employee?
Bring your workplace savings and pension assumptions into the government-career model.
Open calculatorHow can I model military service and a later civilian career?
Explore service-related retirement inputs and a post-service work scenario using your own figures.
Open calculatorHow does changing nursing hours or shifts affect the plan?
Compare nursing income and work-pattern assumptions with your spending needs.
Open calculatorHow do a teacher pension and teaching exit date fit together?
Model your pension, workplace accounts and teaching exit date.
Open calculator11 / EXPLORE
Country calculators
Explore account and retirement-income inputs for Canada or the United Kingdom.
How can I calculate Coast FIRE in Canada?
Use the Canadian model for its account and retirement-income inputs, including RRSP, TFSA, CPP and OAS.
Open calculatorHow can I calculate Coast FIRE in the UK?
Use the UK model to explore ISA investments, pension timing and State Pension income.
Open calculator12 / EXPLORE
Income & spending amounts
Start with a common annual amount, then replace the other defaults with your own figures.
How can I model Coast FIRE on $40,000 a year?
Start with $40,000 of annual income and replace the example expenses, investments and assumptions.
Open calculatorHow can I model Coast FIRE on $50,000 a year?
Start with $50,000 of annual income and replace the example expenses, investments and assumptions.
Open calculatorHow can I model Coast FIRE on $60,000 a year?
Start with $60,000 of annual income and replace the example expenses, investments and assumptions.
Open calculatorHow can I model Coast FIRE on $80,000 a year?
Start with $80,000 of annual income and replace the example expenses, investments and assumptions.
Open calculatorHow can I model Coast FIRE on $100,000 a year?
Start with $100,000 of annual income and replace the example expenses, investments and assumptions.
Open calculatorWhat Coast FIRE target supports $40,000 in annual retirement spending?
Start with $40,000 of annual retirement spending, then change your age, retirement age and assumptions.
Open calculatorWhat Coast FIRE target supports $50,000 in annual retirement spending?
Start with $50,000 of annual retirement spending, then change your age, retirement age and assumptions.
Open calculatorWhat Coast FIRE target supports $60,000 in annual retirement spending?
Start with $60,000 of annual retirement spending, then change your age, retirement age and assumptions.
Open calculatorWhat Coast FIRE target supports $80,000 in annual retirement spending?
Start with $80,000 of annual retirement spending, then change your age, retirement age and assumptions.
Open calculatorWhat Coast FIRE target supports $100,000 in annual retirement spending?
Start with $100,000 of annual retirement spending, then change your age, retirement age and assumptions.
Open calculatorUNDERSTAND THE RESULT
A calculator gives you a model.
The assumptions give it context.
Results depend on your inputs. Check the growth, inflation, spending and withdrawal assumptions before comparing two scenarios.