About this calculator
The Coast FIRE Calculator is a free tool that helps you answer one focused question: have you invested enough that compound growth alone will carry you to retirement, even if you stop contributing today? That milestone — Coast FIRE — often arrives years before full financial independence, and reaching it can free you to work less, switch careers, or take a break without derailing your future.
What makes it different
Most free calculators quietly ignore inflation, which makes their results look far rosier than reality. This one is built around a real (inflation-adjusted) rate of return, so every number on the screen is expressed in today's dollars. You control the inflation assumption, your expected return, and your safe withdrawal rate with simple sliders, and the chart updates instantly.
It also includes two features people repeatedly ask for and rarely get: a one-click PDF report you can save or share with a partner or advisor, and a shareable link that encodes all of your inputs so you can revisit your plan or send it to a friend.
Privacy first
Every calculation runs entirely in your browser. Nothing you type is uploaded or stored on a server. See our privacy policy for details.
A note on accuracy
This tool provides estimates for education and planning. It is not financial advice, and markets never move in a straight line. Use conservative assumptions, revisit your plan regularly, and consult a qualified professional before making decisions. Read the full method in the guide.