Coast FIRE calculator

The Coast FIRE calculator estimates whether current investments can reach your inflation-adjusted FIRE number without further contributions.

Coast FIRE is the point where invested assets may grow to the target without additional retirement contributions.

The calculator tests that path using current investments, time, expected returns, inflation, spending, and withdrawal rate.

Results show the current Coast FIRE requirement and the projected retirement value, making it clear whether the portfolio has reached the coast point or still needs contributions.

Return and inflation assumptions remain editable because small changes compound materially across a long retirement timeline.