Have you already saved enough to coast to retirement with zero new contributions?
Tip: a 7% return / 3% inflation gives a ~3.9% real return (exact Fisher formula, not 7−3=4).
This calculator answers one question: have you already saved enough that you can stop adding new money and still hit your retirement goal? It computes your Coast FIRE number — the amount that, invested today, will compound on its own to your full nest egg by your target retirement age — and compares it to what you have now. If you are past the line you have "coasted" and only need to cover your current living expenses from income; if not, it shows the shortfall and roughly how many more years of saving you need. Everything is calculated privately in your browser, free.
A 30-year-old wants to retire at 65 on $50,000/yr (today's dollars), uses a 4% withdrawal rate, expects a 7% nominal return and 3% inflation, and has $100,000 invested:
Bump the starting balance to $330,000 and the verdict flips to "You've reached Coast FIRE" — you could stop contributing and still land at roughly $1.25M by 65.
n = target_retirement_age - current_age (years)
FIRE number = annual_spending / (SWR / 100) (= 25x at 4%)
real return = (1 + nominal/100) / (1 + inflation/100) - 1 (exact Fisher)
Coast FIRE no. = FIRE number / (1 + real_return)^n
coasted? = current_invested >= Coast FIRE number (unrounded compare)
projected@ret = current_invested * (1 + real_return)^n
progress % = current_invested / Coast FIRE number * 100
years still needed: iterate per year — bal = bal*(1+real) + contributions;
recompute the target as n shrinks; stop when bal >= target (or n hits 0)<iframe src="https://snaptoolsuite.com/coast-fire-calculator/?embed=1"
style="width:100%;max-width:560px;height:1120px;border:0;"
title="Coast FIRE Calculator" loading="lazy"></iframe>
<p>Free <a href="https://snaptoolsuite.com/coast-fire-calculator/">Coast FIRE Calculator</a> by Snap Tool Suite</p>See it live: view a real embed example →
Coast FIRE is the point where your current invested portfolio is large enough that, with zero further contributions, it compounds on its own to your full retirement nest egg by traditional retirement age. Once coasted, you only need to cover current living expenses from income. It is not full financial independence — you still must avoid withdrawing from or shrinking the portfolio until retirement.
Find your full FIRE number = annual spending ÷ SWR (25× at 4%), then discount it back to today using the real return over the years to retirement: Coast FIRE number = FIRE number ÷ (1 + real return)^years. If your balance today meets or beats that, you've coasted.
The 4% rule comes from the Trinity Study / Bengen (1994), based on ~30-year US retirements and specific stock/bond mixes. It implies a 25×-expenses target. Longer early-retirement horizons may justify a more conservative 3.25–3.5%; you can change it here, and we warn above ~5%.
Spending is entered in today's dollars, so growth must be measured in real terms. The exact real return is (1 + nominal) ÷ (1 + inflation) − 1, slightly less than the nominal-minus-inflation shortcut and meaningfully different over decades. Mixing a nominal return with today's-dollar spending understates the number — the tool derives the real return for you.
If nominal return ≤ inflation, the real return is ≤ 0, so money doesn't outpace inflation, the Coast FIRE number meets or exceeds the full FIRE number, and coasting isn't possible at those assumptions. The tool computes this honestly and warns you.
Enter your annual contributions and the tool iterates year by year — growing your balance at the real return, adding contributions at year-end, and recomputing the (shrinking) target until your balance catches up. It returns the extra saving years, or tells you if current contributions can't reach the goal by your target age.
No. It's an educational point estimate assuming a single constant real return. It ignores market volatility, sequence-of-returns risk, taxes, fees, account types, Social Security, pensions, and healthcare. Confirm any plan with a licensed advisor.
This is an educational estimate, not financial advice. It assumes a single, constant real return every year — real markets are volatile, and sequence-of-returns risk (a crash early in retirement) is not modeled. Results are deterministic point estimates; a Monte Carlo or historical-sequence simulation would give probability bands, and this tool intentionally trades that rigor for simplicity.
The 4% rule is a guideline from the Trinity Study / Bengen (1994) based on ~30-year US retirements — not a guarantee. Longer early-retirement horizons may warrant a lower withdrawal rate (e.g. 3.25–3.5%). The default 7% nominal return is a conservative long-run / blended-portfolio assumption (the historical S&P 500 average is closer to ~10% nominal); future returns may be lower, and the result is highly sensitive to this assumption — stress-test it with a pessimistic 5–6% and an optimistic 8–10% nominal.
Everything is modeled in today's dollars via the exact Fisher real return (1 + nominal) ÷ (1 + inflation) − 1, so spending must be entered in today's dollars. Coast FIRE assumes you still cover current living expenses from income (no early withdrawals) and add nothing more to investments. It does not account for taxes, fees/expense ratios, account types (Roth vs traditional vs taxable), Social Security, pensions, or healthcare. The most expensive mistake is lowballing retirement spending — be realistic. All math runs in your browser; nothing is saved unless you copy your result.
Everything is calculated in your browser. We don't store or sell your data.