FIRE & Coast FIRE Calculator
Calculate your Financial Independence number and when you can stop saving.
Your Situation
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Assumptions
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Your FI Number $1,000,000
Coast FIRE Age 38
Projected FI Age 49
Years to Full FI 19
Real Return 3.9%
Current Progress10.0%
$100,000$1,000,000
🎯 At your current rate, you'll reach Coast FIRE at age 38.
Coast FIRE means your current savings alone will compound to your FI Number by retirement age — no more saving needed.
Milestone Projection
| Age | Portfolio | Status |
|---|---|---|
| 30 | $100,000 | Saving |
| 35 | $247,653 | Saving |
| 38 | $363,425 | Coasting |
| 40 | $454,743 | Coasting |
| 45 | $745,199 | Coasting |
| 49 | $1,059,722 | FI Reached |
Methodology
FI Number = Annual Spending ÷ SWR. Coast FIRE is the point where your current portfolio, growing at the real return rate, will reach your FI Number by retirement age without additional contributions. Projection uses real returns (Fisher equation) for inflation adjustment. This is a deterministic model — real results depend on sequence of returns, taxes, and spending variability.