Coast FIRE Calculator — Do You Already Have Enough to Coast?

Do you already have enough saved to coast to retirement?

Enter your age, savings and the retirement you want. You get your Coast FIRE number today, whether you have reached it, the age you will if you keep saving, and how much part-time income you need while you coast (Barista FIRE) — plus how that changes if returns come in lower.

Calculated in this browser tab. No account, no upload. The example numbers are made up. Illustration only, not financial advice.

1. You

Your age now

Age you want to be fully retired

Invested savings today ($)

You save each month ($, optional)

2. Retirement and assumptions (today's dollars)

Yearly spending in retirement ($)

Other retirement income per year, e.g. Social Security or pension ($)

Withdrawal rate (%)

Expected real return after inflation (%)

Part-time pay while coasting, per year after tax ($, optional)

Enter your numbers, or load the example, then click Calculate.

Result

FIRE number at retirement

Coast FIRE number today

You have

Coast number by age

What you would need invested at each age to stop contributing and still reach your number.

Age	Coast number

If returns differ

Real return	Coast number today	Your savings grow to	Coasting?

How it works, and what it leaves out

FIRE number = (yearly spending − other retirement income) ÷ withdrawal rate.
Coast FIRE number = FIRE number ÷ (1 + real return)^{years to retirement}.
Barista draw: the most you could take out of savings each year from now and still reach the FIRE number at retirement. Your spending minus that draw is the income the part-time work must cover.
Everything is in today's dollars with real (after-inflation) returns, compounded monthly.
Not modelled: taxes, Social Security timing, healthcare before Medicare, sequence-of-returns risk, fees, lump sums and changing spending. The withdrawal rate is a rule of thumb, not a guarantee.

Common questions

What is Coast FIRE?

Coast FIRE means you have already saved enough that, with no further contributions, your investments will grow to your full retirement number by the age you plan to retire. From then on you only need to earn enough to pay your current living costs.

How is the Coast FIRE number calculated?

Take the portfolio you would need at retirement (yearly spending divided by your withdrawal rate, after other retirement income) and discount it back to today at your expected real return: FIRE number divided by (1 + return) to the power of the years until retirement.

What is Barista FIRE?

Barista FIRE is coasting while working a lower-paid or part-time job that covers part of your spending. This tool works out how much you could draw from savings each year and still arrive at your number, so you can see how much income the job needs to provide.

Why does the tool use real returns?

All amounts are in today's money. A 5% real return is roughly a 7-8% nominal return less 2-3% inflation. Using real returns keeps spending, income and the withdrawal rate in the same terms without guessing future prices.

What does this leave out?

Taxes, Social Security starting at a different age than you retire, healthcare costs before Medicare, sequence-of-returns risk, fees, windfalls and changes in spending. The 4% rule is a rule of thumb from historical US data, not a guarantee.

Is my data uploaded?

No. Everything runs in your browser tab and nothing is sent anywhere. There are no accounts.

Is this financial advice?

No. It is an arithmetic illustration of the numbers you enter. Talk to a licensed adviser before making retirement decisions.