MasterTool

Coast FIRE Calculator

Calculate coast fire from your own entered figures.

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Currency: Amounts are calculated in the currency you select; this site does not convert between currencies and does not use live exchange rates.

What this tool does

Calculate coast fire from your own entered figures. Constant assumed return, no live market prices, taxes, inflation or investment fees unless included in your inputs. Use inflation-adjusted expenses and real returns for constant purchasing power.

How to use the Coast FIRE Calculator

  1. Enter or select annual retirement expenses.
  2. Enter or select withdrawal rate (%).
  3. Enter or select current age.
  4. Enter or select retirement age.
  5. Enter or select annual real return (%).
  6. Read the calculated result; change any measurement to compare alternatives.

Formula

retirement target=expenses/(SWR/100); coast target=retirement target/(1+return/100)^(retirement age−current age)
expenses
Annual retirement expenses
swr
Withdrawal rate (%)
age
Current age
retire
Retirement age
return
Annual real return (%)

Constant assumed return, no live market prices, taxes, inflation or investment fees unless included in your inputs. Use inflation-adjusted expenses and real returns for constant purchasing power.

Worked example

For coast fire calculator, the following measurements illustrate the exact method: Annual retirement expenses: 40000; Withdrawal rate (%): 4; Current age: 30; Retirement age: 65; Annual real return (%): 5.

Inputs

  • Annual retirement expenses40000
  • Withdrawal rate (%)4
  • Current age30
  • Retirement age65
  • Annual real return (%)5

Result

  • Coast FIRE balance needed now$181,290.29
  • Retirement portfolio target$1,000,000.00

Results explained

Coast FIRE balance needed now
Coast FIRE balance needed now from the formula above. Constant assumed return, no live market prices, taxes, inflation or investment fees unless included in your inputs. Use inflation-adjusted expenses and real returns for constant purchasing power.
Retirement portfolio target
Retirement portfolio target from the formula above. Constant assumed return, no live market prices, taxes, inflation or investment fees unless included in your inputs. Use inflation-adjusted expenses and real returns for constant purchasing power.

Frequently asked questions

retirement target=expenses/(SWR/100); coast target=retirement target/(1+return/100)^(retirement age−current age)

Constant assumed return, no live market prices, taxes, inflation or investment fees unless included in your inputs. Use inflation-adjusted expenses and real returns for constant purchasing power.

No. All numbers are entered by you or come from the dated reference table shown on this page; calculations run locally.

This is an estimate, not financial, tax or legal advice. Verify the inputs and output with official sources and a qualified professional.

Check period consistency, currency, percentage inputs and the assumptions: Constant assumed return, no live market prices, taxes, inflation or investment fees unless included in your inputs. Use inflation-adjusted expenses and real returns for constant purchasing power.