Find the moment compounding takes over.

Coast FIRE means your investments can grow into your retirement — even if you never save another dollar. Enter five numbers, see when you can stop saving. Free, private, no signup — ever.

Calculate your Coast number

New to FIRE? FIRE = Financial Independence, Retire Early. It’s the point where your investments cover your living costs forever. Start with the FIRE number →

7 tools, one math engine

Each calculator answers one question. Start anywhere.

Flagship

Coast FIRE Calculator

When can you stop saving for retirement? Drag the slider to find your age and monthly pace.

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Engine

FIRE Number

How much do you need to retire? Annual expenses ÷ withdrawal rate.

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Engine

Barista FIRE

When can you quit full-time and work part-time? Covers half your spending.

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Engine

Savings Rate

How long until you reach FIRE at your current savings pace?

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FIRE Number · Preset

Fat FIRE

Retire wealthy — travel, hobbies, comfort. $100k/yr spending.

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FIRE Number · Preset

Lean FIRE

Bare-bones budget. Housing, food, insurance, little else. $25k/yr.

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FIRE Number · Preset

4% Rule

The Trinity Study in one number. Reverse mode: enter savings, see sustainable spending.

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How it works

Enter your numbers

Age, savings, monthly expenses — five fields, no signup.

See your number

One big result: your Coast FIRE number and whether you’re there yet.

Find your pace

Drag The Plan slider — see how much to save and when you can stop.

Latest articles

Sequence risk

A man in his forties standing at a window in the morning with a cup of coffee, looking out at an overcast street

13 min readSequence risk

Sequence-of-Returns Risk: Why the Order of Bad Years Can Sink Early Retirement

Two retirees, the same thirty years of returns in a different order: one ends with $10.4 million, the other runs out of money. The mechanism is real, but it needs withdrawals to exist — which means the coast phase of a Coast FIRE plan carries none of it, and the bond-tent advice built for drawdown solves a problem a coasting 45-year-old does not have.

401(k)

A woman in her forties at a kitchen table at night, reading a letter from a retirement plan provider with a calculator and a mug beside her

12 min read401(k)

401(k) Early Withdrawal Penalty: What It Costs and How to Avoid It

Everyone knows the 10% penalty. Almost nobody prices the other two lines on the bill: the income tax and the twenty years of growth you never get back. The real cost of an early 401(k) withdrawal, which exceptions actually apply to a 401(k) rather than an IRA, why the Rule of 55 is narrower than it sounds, and the order to draw money in so you never pay the penalty at all.

Barista FIRE

A man in his forties in a worn canvas apron leaning by the window of a small cafe, hands tucked in his apron pockets, espresso machine steaming behind him in soft morning light

11 min readBarista FIRE

Barista FIRE: How Part-Time Work Buys Your Freedom Earlier

Barista FIRE looks like a coffee-shop fantasy. In practice it is three numbers: the gap, the wage, and the benefits package. How many hours a $20 job really buys, why an employer plan can be worth ten hours a week, when a cheap-looking job costs you the ACA subsidy, and the spending level where the whole strategy stops paying.

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Coast FIRE calculators are for educational purposes only and do not constitute financial advice. All calculations use simplified assumptions. Past performance does not guarantee future results.