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FIRE & Coast FIRE Calculator

Plan financial independence and early retirement — free. Find your FIRE number, see whether you've hit Coast FIRE, and stress-test the plan against real historical market returns.

Your numbers

FIRE number = annual expenses ÷ withdrawal rate (the "4% rule" ⇒ 25×). Coast FIRE = the amount you'd need invested today to reach your FIRE number by retirement age on growth alone.

Results
FIRE number$1,250,000
Coast FIRE number$164,209
Years to FI23
Financially independent atage 53
Coast FIRE reached?Not yet
Replaces income for25× expenses

Projection to financial independence

At $20,000/yr you reach full FIRE in 23 years (age 53). To Coast FIRE to age 60, you'd need $164,209 invested today.