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Have I reached Coast FIRE?
Find what you need invested today to reach retirement without adding another dollar. Then see what that answer actually lets you change.
SEE WHAT CHANGES
Your return assumption does most of the work.
One point either way compounds for 25 years. A single green badge should never be the end of the decision.
WHAT THIS RESULT ASSUMES
Simple enough to check.
- Constant real growthYour portfolio earns the same after-inflation return every year until retirement.
- No more contributionsThe projection adds $0 from today through age 65.
- One withdrawal rateYour retirement target is annual portfolio spending divided by 4%.
- Income starts with retirementThe $30,000 you entered offsets spending from day one.
Not modeled: taxes, fees, account types, healthcare, one-off costs, changing spending, income that starts later, or sequence-of-returns risk. This is educational information, not financial advice.
THE NUMBER IS THE EASY PART
Reaching it doesn’t tell you what to change.
Ask Linc replaces the flat return and withdrawal rate above with your actual holdings, spending, income, and taxes, then runs the change you are considering against a century of real market history.
- Can I stop maxing my 401(k)?
- Could I take a $30K pay cut?
- Could one of us stop working?
- What if returns are worse than this?
- Can I spend $20K more a year?
Try free for 30 days. No credit card required.
COAST FIRE, PLAINLY
Questions behind the number.
What is Coast FIRE?
Coast FIRE is the point where the retirement savings you already have could grow to your retirement target without additional contributions, assuming your timeline and investment returns hold. You still need income to cover life before retirement; the idea is that retirement saving may no longer need to drive every work and spending decision.
How is my Coast FIRE number calculated?
The calculator subtracts retirement income available from the day you retire from your annual spending, divides the remainder by your withdrawal rate to estimate the portfolio needed at retirement, then discounts that target back to today using your real return and years until retirement.
Should I stop contributing when I reach Coast FIRE?
Not necessarily. Reaching the number means one simplified set of assumptions works. Taxes, fees, account access, healthcare, income timing, a poor early market sequence, and changes in your life can all change the decision. Treat the result as a reason to explore your options, not an instruction to stop saving.
What real return should I use?
Real return is investment growth after inflation. A lower assumption produces a higher Coast FIRE number and a more conservative result. The calculator shows nearby return scenarios so you can see how sensitive your answer is instead of relying on one rate unnoticed.
Can I include Social Security or a pension?
Yes, but only enter income expected to be available from the retirement age in this calculation. If Social Security, a pension, or another income source starts later, the simple formula will overstate its help because it does not model the gap years separately.
Is the Coast FIRE calculator free?
Yes. It is free, requires no account, and runs in your browser. Ask Linc's planning experience is the next step when you want to replace the simple assumptions with your actual holdings, spending, income, taxes, and scenarios.