Coast FIRE Calculator
Coast FIRE means you’ve invested enough that your money can grow to a traditional retirement number—even if you stop contributing. Use this page to estimate your FIRE target and timeline. (Tonight we’re using the main calculator; we can add a dedicated Coast FIRE mode next.)
Inputs
Use after-tax income if you want the cleanest “years to FI” estimate.
That’s about $0 / year
MOVE IMPACT
Compare your FIRE age in NYC vs Raleigh by changing expenses.
Savings rate (net income vs expenses):
0.0%
Net income: $0 • Select a state to estimate taxes
Results
FIRE number
$0
Inflation-adjusted expenses ÷ 4%
Years to FI
0 years
Projected FI year: 2026
Age at FI
0
Approximate
🔥 Your FIRE age if you moved
Same income and investing assumptions, different city cost profile.
New York City, NY
Enter inputs
Austin, TX
Enter inputs
Raleigh, NC
Enter inputs
Charlotte, NC
Enter inputs
Denver, CO
Enter inputs
Progress to FIRE
$0 / $0
0% funded
Portfolio projection
From age 0 → 2
Dashed line = your FIRE number.
Savings Rate → FIRE Timeline
Based on your current investing assumptions. Net income stays the same; expenses adjust to match each savings rate.
SAVINGS
EXPENSES
YEARS
FIRE AGE
10%
$0
—
—
20%
$0
—
—
30%
$0
—
—
40%
$0
—
—
50%
$0
—
—
60%
$0
—
—
70%
$0
—
—
Tip: This table becomes most meaningful after you set Income, Monthly Expenses, and either Yearly Investment or the advanced contribution fields.
Start investing toward FIRE
These are common platforms people use to invest for long-term goals. (Sponsored links)
Fidelity
Brokerage / 401(k)
Low-cost index funds + strong retirement tools. Great all-around choice.
Learn more →
Vanguard
Index funds
Classic FIRE favorite for low-fee index investing.
Learn more →
Betterment
Robo-advisor
Hands-off robo-investing if you want automation and simplicity.
Learn more →
Wealthfront
Robo + cash
Automated investing + cash management. Clean experience.
Learn more →
FAQ
What is Coast FIRE?
Coast FIRE is when your current investments can grow to your retirement target without additional contributions—so you only need to cover your living expenses with income.
How do I use this calculator for Coast FIRE?
Set your current portfolio, return assumptions, and expenses. To approximate Coast FIRE, reduce yearly contributions to near $0 and see whether you still reach FI by your target age.
Will you add a dedicated Coast FIRE mode?
Yes—next step is a Coast FIRE input (retirement age) that calculates the required portfolio today based on compound growth.