LoanCalculator

SIMULATION ENGINE

LoanCalculator

Coast FIRE SimulatorFinancial Independence

1. Your Profile

Current Age30

Retirement Age65

Current Saved Assets$50,000

Monthly Contribution$1,000

2. Retirement Goals

Desired Annual Spend$80,000

Safe Withdrawal Rate4%

Target Net Worth Needed: $2,000,000

3. Market Assumptions

Expected Annual Return7%

Expected Inflation3%

* We calculate a "Real Return" of 4.0% to ensure your results show future purchasing power in today's dollars.

Your Coast FIRE Number

$506,831

This is the amount of money you need invested right now to completely stop saving for retirement. It will compound to your Target Net Worth of $2,000,000 by age 65 without adding another penny.

Coast FIRE Target Age

Age 51.1

By investing $1,000/mo, you will hit Coast FIRE in 21.1 years. After that, you can downshift to a lower-paying job and stop saving!

The Coast FIRE Journey

Coast FIRE

Your Coast FIRE Number

$506,831

Target Age

Age 51.1

At $1000/mo, you hit this in 21.1 years.

1. Profile

Current Age

Retire Age

Saved Assets$50,000

Monthly Contrib.$1,000

2. Goals

Annual Spend$80,000

Withdrawal Rate4%

Target Net Worth: $2,000,000

3. Markets

Expected Return7%

Expected Inflation3%

Journey

Coast FIRE Calculator — Find Your Coasting Number

What is Coast FIRE?

Coast FIRE (Financial Independence, Retire Early) is a milestone where you have saved enough money early in life that, without contributing another penny, your investments will grow to your target retirement number by traditional retirement age.

Once you hit your Coast FIRE number, you can "coast." You still need to work to cover your living expenses until you actually retire, but you no longer need to save for retirement. This opens up opportunities to take lower-stress jobs, work part-time, or start a business.