FIRE & Coast FIRE Calculator
Compare FIRE date scenarios or a Coast FIRE amount using visible return, inflation, spending and withdrawal-rate assumptions. Sensitive inputs stay in your browser.
$1,200,000.00 is the spending target divided by the entered 4% planning withdrawal rate.
Context matters.
- These are smooth-return mathematical scenarios, not market forecasts or guarantees. Taxes, fees, volatility, sequence risk, contribution changes and account-access rules are excluded.
- The conservative and optimistic lines are simply the entered real return minus/plus two percentage points.
Sources & scope
The calculation guide and this source trail show what the result means, where the rule came from and when it was last reviewed. This is source-and-calculation QA, not a claim of medical, legal, tax or other professional review; time-sensitive decisions still belong with the linked authority.
A visible path from input to answer.
Compare FIRE date scenarios or a Coast FIRE amount using visible return, inflation, spending and withdrawal-rate assumptions. The page keeps the calculation scope and its limits beside the result so the output can be checked, copied or revisited.
- Read the record. The calculator uses Projection mode, Projection starts, Date of birth, Current invested assets ($) and Annual spending target in today's dollars ($) and 5 additional fields supplied in the form.
- Apply the scope. It applies the User-entered retirement scenarios in today's dollars — no investment forecast, guarantee, tax or personalized financial advice reference and the explicit date, unit and counting conventions shown in the result.
- Expose the checkpoints. Intermediate rows, warnings and timeline events stay visible; the emphasized row identifies the primary checkpoint when one exists.
$1,200,000.00 is the spending target divided by the entered 4% planning withdrawal rate.
- Target portfolio$1,200,000.00
- Base scenarioJan 24, 2049
Calculation purpose: Compare FIRE date scenarios or a Coast FIRE amount using visible return, inflation, spending and withdrawal-rate assumptions. This is a high-sensitivity reference output; the linked authority or qualified professional controls the final decision.
Calendar inputs use plain year-month-day semantics. Leap days, month ends, date-pair order and unsupported dates are checked before the result is shown.
Rule set 1.1.0 · Last reviewed 2026-08-23 · Next review due 2027-02-23. The source panel below contains the linked evidence.
What to know before using the result.
How is the FIRE portfolio target calculated?
Annual spending is divided by the entered planning withdrawal rate. The result is a scenario input, not a safe-withdrawal guarantee.
What is Coast FIRE in this calculator?
It estimates the invested amount needed today to grow to the target by a selected future age with no further contributions, using the entered real-return assumption.
Why are three FIRE dates shown?
The base real return is shown beside simple conservative and optimistic scenarios two percentage points below and above it. None is a market forecast.