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Coast FIRE Calculator

Estimate whether your current investments and future contributions may grow enough to reach your retirement target.

Calculate Your Coast FIRE Projection

Enter current assets, contributions, return assumptions, and your retirement spending target.

Current Situation

Investments currently dedicated to long-term goals.

Amount invested each month.

Many long-term investors use 5%-7% as a rough inflation-adjusted return assumption.

Retirement Goal

Expected yearly spending in retirement.

The 4% rule is a commonly used retirement planning guideline.

How This Calculator Works

  1. Calculates a retirement target from annual spending and withdrawal rate.
  2. Discounts that target back to today to estimate your Coast FIRE number.
  3. Projects current investments and monthly contributions to retirement age.
  4. Compares projected retirement wealth against your target.

Example Scenario

If you are 35 with $150,000 invested, plan to retire at 65, and want $100,000 per year at a 4% withdrawal rate, this calculator estimates the invested amount needed today and the projected value of ongoing contributions.

Educational disclaimer: Return assumptions are uncertain. This calculator uses simplified compounding and does not guarantee future investment performance.

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