Find the point where time can do the rest.
Estimate how much you need invested today for compound growth alone to reach your retirement target.
Coast FIRE separates retirement security from future contributions.
The calculator estimates a retirement portfolio from annual spending and your withdrawal rate, then discounts that target back to today using the expected return after inflation.
Coast FIRE today = target portfolio ÷ (1 + real return)ʸᵉᵃʳˢ
The calculation uses the values you enter and assumes the selected rates remain constant throughout the scenario.
The calculator first estimates the portfolio required at retirement and discounts it to today. If current investments exceed that amount, the model indicates Coast FIRE may have been reached.
Retirement spending sets the target
The lifestyle you want to fund determines the portfolio required at retirement.
Time carries more weight
The longer the investment horizon, the less capital may be required today — assuming the return materializes.
Coasting is not certainty
Returns, inflation and spending will change. Revisit the calculation instead of treating it as a finish line.
How to interpret the result
Is the result a prediction?
No. It is a transparent scenario based on your inputs. Returns, inflation, spending and personal circumstances can all develop differently.
How often should I update the calculation?
After a major financial change and at least a few times a year. For long-term decisions, consistent updates matter more than a one-time perfect estimate.
Does this calculator store my numbers?
No. The calculation runs in your browser. If you want history and a recurring monthly view, you can manage your figures inside Hugo.
Educational tool, not personal advice. Results use only your inputs and general assumptions. They are not investment, tax, legal or accounting advice.