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 - there's a dedicated Coast FIRE calculator with the full threshold-by-age math.
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.
Once you have the number, pressure-test the spending side: the retirement withdrawal calculator replays your exact portfolio and withdrawal through every historical retirement since 1871 and shows the years it would have failed.