Your current age. This is used as the starting point for calculations.
The age at which you plan to retire. This determines your investment horizon.
Your current total investment portfolio value, including all retirement accounts and investments.
How much you plan to save and invest each month.
The total amount you want to have when you retire. Consider your desired lifestyle and expenses.
Expected annual investment return rate. Historically, the S&P 500 has returned about 7% after inflation.
Expected annual inflation rate. Historically, inflation has averaged around 2-3% annually.
The percentage of your portfolio you plan to withdraw annually in retirement. 4% is a common starting point.
Balanced approach with moderate risk and returns. Suitable for most investors.

Online Coast FIRE Calculator

Calculate your Coast FIRE number instantly with our free Coast FIRE calculator. Plan your path to financial independence today.

How It Works

Coast FIRE is a strategy where you save aggressively early in life, allowing your investments to grow passively over time. Once you reach your Coast FIRE number, you can reduce your savings rate and let compound interest do the work.

How To Use

Using our Coast FIRE Calculator is simple:

  1. Input your current savings balance.
  2. Specify your target annual living expenses during retirement.
  3. Choose an assumed annual return rate for your investments.
  4. Set your desired retirement age and expected inflation rate.
  5. Click "Calculate" to see how your current savings will grow over time.

The results include:

  • The total savings you need to achieve Coast FIRE.
  • The projected growth of your current investments.
  • A clear timeline for financial independence.

Key Features

  • Instant calculation of your Coast FIRE number
  • Customizable inputs for personalized planning
  • Clear visualization of your financial independence timeline
  • Free to use with no sign-up required

Frequently Asked Questions

What is a Coast FIRE Calculator?

A Coast FIRE Calculator helps you determine how much you need to save now so that your investments can grow to support your retirement without additional contributions in the future.

How does Coast FIRE differ from traditional FIRE?

Traditional FIRE requires continuous aggressive saving until retirement, while Coast FIRE allows you to stop saving after reaching your Coast FIRE number and let your investments grow passively.

Why is this the best Coast FIRE calculator?

PikiTools offers a precise, customizable, and user-friendly Coast FIRE Calculator, making it an ideal choice for anyone planning financial independence.

Is the Coast FIRE Calculator free to use?

Yes, our tool is completely free and requires no sign-up.

Can I access the calculator on mobile devices?

Absolutely! Our tool is designed to work seamlessly on tablets, smartphones, and personal computers.

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