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FIRE Number & Coast-FIRE Calculator

Find your financial-independence number, your FI date, and your Coast-FIRE milestone — with a chart.

  • 🧮 Calculator
  • ✓ Free
  • ✓ No sign-up
  • ✓ Private — runs in your browser
  • ✓ Any device

Saving $/yr ( of income). Use a real (inflation-adjusted) return so all figures are in today's dollars.

Your FIRE number

$

Lets you withdraw ~$/mo at % forever

Years to FI
FI age
$
Coast-FIRE today
✓ You've hit Coast-FIRE! Coast-FIRE progress

Hands-off, your savings would grow to your FIRE number by age .

Portfolio growth (today's dollars)

Estimates only, not financial advice. Returns are not guaranteed.

Why you’ll love FIRE Number & Coast-FIRE Calculator

Instant & freeNo signup, no paywall, no limits — FIRE Number & Coast-FIRE Calculator works the moment the page loads.
Completely privateEverything runs in your browser. Nothing you enter is ever uploaded or stored on a server.
Works on any deviceFully responsive and touch-friendly — use it on your phone, tablet or desktop.
Accurate & clearBuilt on the real formulas, with a breakdown you can actually trust.

How to use it

  1. 01

    Open it

    No download and no login — the tool is ready right at the top of this page.

  2. 02

    Use it

    Enter your details or start interacting. Everything updates live as you go.

  3. 03

    Get your result

    Copy, download or share your result in a single tap. That’s it.

About FIRE Number & Coast-FIRE Calculator

This FIRE calculator finds the three numbers that define a path to financial independence: your FIRE number, your FI age, and your Coast-FIRE milestone. Your FIRE number is annual expenses divided by your safe withdrawal rate — spend $45,000 a year at a 4% withdrawal rate and you need $1,125,000 invested to fund that spending indefinitely.

To estimate when you get there, the calculator runs a year-by-year simulation: it starts from your current savings, grows the portfolio at your expected real (inflation-adjusted) return, and adds your annual savings — income minus expenses — each year until the balance crosses the FIRE line. The chart draws that growth curve in today's dollars, marks the FIRE target as a dashed line, and drops a dot on the exact year you reach financial independence, alongside your projected FI age and years to FI.

It also computes Coast-FIRE: the amount you would need invested today so that, with zero further contributions, compounding alone carries it to your FIRE number by your chosen retirement age. A progress bar shows how close you are, and once you cross it, everything you save after that is optional acceleration rather than necessity.

All inputs stay in your browser — they are saved to local storage on your device so your plan is waiting when you return, and nothing about your income or savings is ever uploaded. The share button lets you send your FI age and FIRE number to a partner without exposing the underlying inputs.

Popular uses

  • ✦ Find your projected FI age and see how cutting expenses moves it
  • ✦ Check whether you have already hit Coast-FIRE and can ease off saving
  • ✦ Stress-test a plan by comparing 4% against a more conservative 3.25% withdrawal rate
  • ✦ Set a concrete portfolio target before a meeting with a financial planner
  • ✦ Align with a partner on spending by sharing your FIRE number and timeline

Frequently asked questions

How is my FIRE number calculated?
FIRE number = annual expenses ÷ safe withdrawal rate. At the classic 4% rule, that is simply 25× your annual spending: $40,000 of expenses means a $1,000,000 target. The logic comes from the Trinity study, which found a portfolio has historically sustained a 4% initial withdrawal (adjusted for inflation) over a 30-year retirement. The calculator lets you set any rate from 2% to 8% to see how the target moves.
What is Coast-FIRE and how is it different from regular FIRE?
Regular FIRE means your portfolio can fund your expenses right now. Coast-FIRE means you have enough invested today that compound growth alone — with no more contributions — will reach your FIRE number by your target retirement age. It is calculated as FIRE number ÷ (1 + return)^years remaining. Hitting Coast-FIRE means you only need to cover current living costs from work, not keep saving aggressively.
Why does the calculator ask for a "real" return instead of my expected market return?
Using a real (after-inflation) return keeps every figure in today's dollars, so your FIRE number stays comparable to your current expenses without you having to inflate them. If you expect roughly 7–8% nominal from a stock-heavy portfolio and 2–3% inflation, a real return of about 4–5% is the common planning assumption. Entering a nominal return here would make your FI date look unrealistically early.
What safe withdrawal rate should an early retiree use?
The 4% rule was tested against 30-year retirements. If you retire at 35 or 40, your money may need to last 50+ years, so many in the FIRE community plan on 3% to 3.5% for extra margin — which raises the target to roughly 29–33× annual expenses. Try both in the calculator: the gap between a 4% and 3.25% plan is often several years of additional saving, and seeing it explicitly helps you pick your own risk tolerance.
Does this calculator account for taxes, pensions or Social Security?
No — it is a deliberately clean pre-tax model: savings compound at your chosen return and are drawn down at your chosen rate. Taxes on withdrawals, future pension or government benefits, and one-off costs are not modelled. A practical workaround is to enter slightly higher annual expenses (to cover withdrawal taxes) or a lower withdrawal rate, and treat the result as a planning estimate rather than a guarantee.
Is FIRE Number & Coast-FIRE Calculator free to use?
FIRE Number & Coast-FIRE Calculator is 100% free — no signup, no watermarks and no usage limits. It’s one of 200+ free tools we build and give away.
How accurate is this calculator?
It uses the standard formulas and shows its working, so you can verify every number. For big decisions, treat the result as a reliable estimate.

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