Find the moment compounding takes over.
Coast FIRE means your investments can grow into your retirement — even if you never save another dollar. Enter five numbers, see when you can stop saving. Free, private, no signup — ever.
Calculate your Coast number7 tools, one math engine
Each calculator answers one question. Start anywhere.
Coast FIRE Calculator
When can you stop saving for retirement? Drag the slider to find your age and monthly pace.
CalculateFIRE Number
How much do you need to retire? Annual expenses ÷ withdrawal rate.
CalculateBarista FIRE
When can you quit full-time and work part-time? Covers half your spending.
CalculateSavings Rate
How long until you reach FIRE at your current savings pace?
CalculateFat FIRE
Retire wealthy — travel, hobbies, comfort. $100k/yr spending.
CalculateLean FIRE
Bare-bones budget. Housing, food, insurance, little else. $25k/yr.
Calculate4% Rule
The Trinity Study in one number. Reverse mode: enter savings, see sustainable spending.
CalculateHow it works
Enter your numbers
Age, savings, monthly expenses — five fields, no signup.
See your number
One big result: your Coast FIRE number and whether you’re there yet.
Find your pace
Drag The Plan slider — see how much to save and when you can stop.
Latest articles
Why we use 7% average returns — and not the headline 10%.
The S&P 500 averages 10% before inflation. We use 7%. Here is why that 3% gap matters more than it looks — and why the order of returns matters even more than the average.
What is Coast FIRE? The beginner’s guide.
Coast FIRE is not retirement. It is the moment your savings can grow into your full FIRE number without another dollar from you — and the freedom that comes with it.
Lean vs Fat vs Coast FIRE — which path is yours?
Four FIRE flavors, one question: what does "enough" mean for you? A practical breakdown of Lean, Fat, Coast, and Barista FIRE — and how to tell which one fits your actual life.
Questions about your number?We read every one.
Spotted a bug, want a calculator we don’t have, or just want to think out loud about your plan? Drop us a line — a real person replies, usually within 2 business days. No newsletter, no auto-drip, no marketing list.
Coast FIRE calculators are for educational purposes only and do not constitute financial advice. All calculations use simplified assumptions. Past performance does not guarantee future results.