Show HN: Coast FIRE Calculator – Find out if you can stop saving for retirement

6 hours ago 1

Find out if your current savings and contributions can grow on their own until retirement.

Personal Info

Current Age

Retirement Age

Monthly Contribution$

Financial Inputs

Current Invested Assets$

Annual Spending in Retirement$

Investment Growth Rate?%

Inflation Rate?%

Safe Withdrawal Rate?%

⚠️ Need to save more to reach Coast FIRE

Projected Assets at Age 60$1,327,990.222

Coast FIRE Number at Current Age$318,862.473

What is a Coast FIRE Calculator?

The Coast FIRE Calculator helps you determine if your current savings and investment plan will allow you to “coast” to financial independence by retirement age—meaning you can stop new contributions and let your investments grow on their own. It’s a powerful tool for anyone pursuing the FIRE (Financial Independence, Retire Early) movement.

How to Use the Coast FIRE Calculator?

  1. Enter your current age, planned retirement age, current invested assets, expected annual spending in retirement, monthly contributions, and your financial assumptions (growth rate, inflation, safe withdrawal rate).
  2. Review the results to see your Coast FIRE number, projected growth, and the year you’ll reach Coast FIRE.
  3. Use the interactive chart to visualize your path to financial independence.

Frequently Asked Questions (FAQ)

What does “Coast FIRE” mean?

“Coast FIRE” is a financial milestone where your current investments are enough to grow to your retirement goal without any further contributions. You can “coast” to retirement without saving more, as long as you don’t withdraw early.

Who should use the Coast FIRE Calculator?

Anyone interested in financial independence, early retirement, or optimizing their investment plan can benefit from this calculator.

Is my data private?

Yes, all calculations run locally in your browser. No personal data is saved or transmitted.

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