Compound Interest · Investing · Planner

Coast FIRE planner

Work out how close you are to Coast FIRE: the point where compound growth can carry the rest of the load without you needing to keep contributing at today’s pace.

Build your scenario

Results update instantly as you type. Use the button only if you want a shareable URL.

Target style

Current age

Retirement age

Currently invested

Monthly contribution

Retirement spending in today’s dollars

Target portfolio in today’s dollars

Safe withdrawal rate (%)

Expected annual return (%)

Inflation (%)

Annual fees drag (%)

This is a planning model, not investment advice. Spending and target-portfolio inputs are treated as today’s dollars; the planner inflates the retirement target and also shows the real-return framing.

What makes this page useful

It answers the “when can I ease off?” question rather than just spitting out one future balance.
It shows both a coast number today and a nominal retirement target so inflation does not disappear from view.
It includes fee drag and a sensitivity table, which matters because tiny return changes move the answer a lot.
It supports either retirement spending mode or a direct target-portfolio mode.

Read the launch note for this planner.

At-a-glance answer

Retirement target

Contribution runway

Timeline

Assumption notes

Sensitivity table

Changing long-run returns by even one point can move the coast date by years. This table keeps that uncertainty visible.