How to Calculate Your Coast FIRE Number

Coast FIRE calculation inputs

What it does

The calculator estimates the amount that would need to be invested now if new contributions stopped, under the assumptions you enter.

Who it is for

It suits savers comparing a target retirement age with their current balance, not people looking for a guaranteed forecast.

Keep the boundary clear

A smooth chart is a planning aid. Returns, spending, and inflation will vary in real life.

适合谁

• Enter age, invested assets, spending, expected return, inflation, withdrawal rate, and target retirement age.
• Compare the return assumption with inflation so the projection is expressed in today’s dollars.
• Run a lower-return or higher-spending case to see which assumption moves the estimate.

打开工具并查看当前计算

怎么用

1. Set the inputs. Enter age, invested assets, spending, expected return, inflation, withdrawal rate, and target retirement age.
2. Read the real-return view. Compare the return assumption with inflation so the projection is expressed in today’s dollars.
3. Change one input. Run a lower-return or higher-spending case to see which assumption moves the estimate.
4. Use the result as a range. Discuss the estimate with your own budget and risk tolerance before making a decision.

FAQ

Does Coast FIRE mean I can stop working?
No. It means current investments may reach a future target without new contributions under chosen assumptions.

Is a 7% return guaranteed?
No. It is an assumption; test a lower number too.

Why does inflation matter?
Future spending usually costs more than the same number today.

Does the site upload my numbers?
The site describes the calculation as browser-local, but important decisions should be checked independently.