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Coast FIRE Calculator
Coast FIRE is the moment your invested money is enough that compounding alone — with no further saving — will reach your retirement goal. This scenario starts with a larger balance and minimal saving to show how coasting works.
FIRE Retirement Calculator
You can retire earlier than you think.
Enter a few numbers to see how many years until FIRE. Simpler than you think. All figures use real returns (inflation-adjusted).
Your Situation
Your Investing Strategy
Strategy preset
※ Returns are estimated 10-year annualised figures (2016–2026) based on publicly available market data, not exact historical performance. For illustrative purposes only — not investment advice. Past performance does not guarantee future results.
Investment return
%
Inflation rate
%
Your Retirement
Withdrawal rate
4%Stop earning age
65Your Projection
FIRE Target
1.2M
Years to FIRE
32.0 yrs
Funds last until
158.5
Current progress20%
240K1.2M
At FIRE — how you'll get there
Total deposited
432K
Investment returns
768K
Monte Carlo Simulation
Retirement Asset Simulation
Generate 10 random return sequences in retirement using your parameters — see how different market luck shapes your outcome.
Investment return 7%Inflation rate 3%Real return 3.9%
Annual volatility (std. dev.)
15%VOO (S&P 500) historical annualised volatility is ~15%. A balanced stock/bond portfolio is ~10%; leveraged ETFs can reach 45–65%.
Max single-year loss
37%VOO worst single year: −37% in 2008 (financial crisis), −18% in 2022. 3× leveraged ETFs can lose 70%+ in a bad year.
7 / 10
paths lasted 30+ years (FIRE)
5 / 10
paths survived to age 100
Want the full picture?
Get a multi-scenario risk report — success rates across 7 market scenarios, as a PDF in your inbox.
See how small daily habits affect your FIRE date
Your savings and return rate are pre-filled — just add a daily expense to see the impact.
Faster Retirement Plan
See how relocating could help you reach financial independence sooner.
I currently live in
Cost of Living + Rent Index in 🇺🇸 New York: 100.0 (NYC = 100) · Find your city on Numbeo ↗
| City | Cost Index | Adj. Expenses / yr | Retire Earlier | Retire At |
|---|---|---|---|---|
🇺🇸 New YorkCurrent Plan United States | 100.0 | 48K | 0 yrs | 64.0 |
🇲🇾 Penang MalaysiaBest Best Retirement Destination Malaysia My Second Home (MM2H) visa, English widely spoken, modern infrastructure, and one of Asia's lowest costs of living. | 22.3 | 11K | -30.4 yrs | 33.6 |
🇹🇭 Chiang Mai ThailandBest Best Retirement Destination Year-round warmth, ultra-low cost of living, excellent private hospitals, and a deeply welcoming culture for retirees. | 24.0 | 12K | -29.0 yrs | 35.0 |
🇲🇾 Kuala Lumpur MalaysiaBest Best Retirement Destination Malaysia My Second Home (MM2H) visa, English widely spoken, modern infrastructure, and one of Asia's lowest costs of living. | 26.9 | 13K | -27.1 yrs | 36.9 |
🇲🇽 Mérida MexicoBest Best Retirement Destination Huge expat communities, close to the USA, diverse regions from beach towns to colonial cities, and world-class cuisine. | 30.1 | 14K | -25.1 yrs | 38.9 |
🇹🇭 Bangkok ThailandBest Best Retirement Destination Year-round warmth, ultra-low cost of living, excellent private hospitals, and a deeply welcoming culture for retirees. | 31.6 | 15K | -24.2 yrs | 39.8 |
🇬🇷 Thessaloniki GreeceBest Best Retirement Destination Mediterranean lifestyle, low cost of living, thriving expat communities on islands like Corfu, and affordable modern healthcare. | 35.9 | 17K | -22.0 yrs | 42.0 |
🇲🇽 Mexico City MexicoBest Best Retirement Destination Huge expat communities, close to the USA, diverse regions from beach towns to colonial cities, and world-class cuisine. | 37.9 | 18K | -21.0 yrs | 43.0 |
🇪🇸 Alicante SpainBest Best Retirement Destination Mediterranean sun, advanced public healthcare, and a vibrant social life — especially affordable outside Madrid and Barcelona. | 38.1 | 18K | -20.8 yrs | 43.2 |
🇵🇦 Panama City PanamaBest Best Retirement Destination USD economy, generous Pensionado program (20–50% discounts for retirees), modern infrastructure, and diverse climates from city to mountain. | 38.4 | 18K | -20.6 yrs | 43.4 |
🇨🇷 San José Costa RicaBest Best Retirement Destination "Pura Vida" lifestyle, stable democracy, lush nature, and excellent private healthcare at a fraction of US costs. | 39.3 | 19K | -20.0 yrs | 44.0 |
🇪🇸 Tenerife SpainBest Best Retirement Destination Mediterranean sun, advanced public healthcare, and a vibrant social life — especially affordable outside Madrid and Barcelona. | 39.6 | 19K | -20.0 yrs | 44.0 |
🇬🇷 Athens GreeceBest Best Retirement Destination Mediterranean lifestyle, low cost of living, thriving expat communities on islands like Corfu, and affordable modern healthcare. | 40.2 | 19K | -19.8 yrs | 44.2 |
🇵🇹 Porto PortugalBest Best Retirement Destination Safe, sunny, and affordable. NHR tax benefits for foreign income, warm Atlantic coast, and a welcoming expat scene. | 40.5 | 19K | -19.6 yrs | 44.4 |
🇮🇹 Naples ItalyBest Best Retirement Destination La dolce vita — rich culture, exceptional food & wine, and special flat-tax regimes for retirees relocating to smaller towns. | 43.9 | 21K | -18.0 yrs | 46.0 |
🇫🇷 Montpellier FranceBest Best Retirement Destination World-class universal healthcare, exceptional quality of life, and far more affordable in smaller cities like Montpellier. | 46.1 | 22K | -17.0 yrs | 47.0 |
🇵🇹 Lisbon PortugalBest Best Retirement Destination Safe, sunny, and affordable. NHR tax benefits for foreign income, warm Atlantic coast, and a welcoming expat scene. | 47.2 | 23K | -16.5 yrs | 47.5 |
🇮🇹 Rome ItalyBest Best Retirement Destination La dolce vita — rich culture, exceptional food & wine, and special flat-tax regimes for retirees relocating to smaller towns. | 50.7 | 24K | -15.0 yrs | 49.0 |
🇮🇹 Florence ItalyBest Best Retirement Destination La dolce vita — rich culture, exceptional food & wine, and special flat-tax regimes for retirees relocating to smaller towns. | 52.3 | 25K | -14.3 yrs | 49.7 |
🇫🇷 Paris FranceBest Best Retirement Destination World-class universal healthcare, exceptional quality of life, and far more affordable in smaller cities like Montpellier. | 62.9 | 30K | -10.4 yrs | 53.6 |
Based on Numbeo 2026 Cost of Living + Rent Index. Assumes expenses scale proportionally with cost of living. For illustrative purposes only. · Best rankings: International Living ↗
What this scenario works out to
In this example setup, the FIRE target comes to about $1,200,000. At this savings rate you could reach it around age 64. Stopping work at 65, the money comfortably outlasts age 95.
These figures use this scenario’s example starting numbers — adjust the calculator above for your own situation.
Reading your coast FIRE result
Once you hit your coast number, you only need to cover current expenses; your existing investments grow into your retirement target on their own. The chart shows whether your current balance, left to grow, gets there by your target age. If it does, you can stop saving aggressively and redirect that money to living now. If it falls short, you have not quite reached coast yet — keep contributing until the projection clears your goal.
Who it fits: people who front-loaded their investing early and now want to ease off — switch to a lower-paid but enjoyable job, go part-time, or simply stop stressing about the savings rate while still covering today's bills.
Watch out for: relying on a single optimistic return. Coast maths is sensitive to the rate you assume; a weak decade early on can leave you short. Recheck the projection every few years and resume saving if it slips below target.
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Common questions
- What is Coast FIRE?
- It is the point where your invested assets, with no new contributions, will grow to your retirement number by your target age. You still work to cover today's bills, but you no longer need to save.
- How do I calculate my coast number?
- Take your future FIRE target and discount it back to today at your expected return. If your current balance already exceeds that, you have reached Coast FIRE.
- Can I really stop saving at Coast FIRE?
- For retirement, yes — assuming returns hold. Many people keep a small buffer anyway, since a weak market run early on can knock a coast plan off track.
Further Reading
FIRE Calculator Guide: How to Calculate Financial Independence and Retire Early
How do you calculate financial freedom? 3 steps to break down the FIRE movement + a super useful retirement calculator
Read the full article☕
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Calculate your FIRE number and retirement date using the 4% rule. Free, no login — enter savings, expenses, and return rate for instant results.
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