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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.

Reference toolFire Retirement CalculatorCompare FIRE date scenarios or a Coast FIRE amount using visible return, inflation, spending and withdrawal-rate assumptions. Sensitive inputs stay in your browser. Verify important decisions with a qualified professional.

Reference calculation

Enter your details.

Calculated locally. Optional site analytics loads only after consent and measures broad use, not calculator inputs or result text.

Section 1

Core details

Start with the information that defines this calculation.

Projection mode

Projection starts

Sun, Aug 30, 2026

Date of birth

Fri, Aug 30, 1991

Current invested assets ($)

Annual spending target in today's dollars ($)

Monthly contribution in today's dollars ($)

Section 2

Review and confirm

Check the remaining facts before calculating.

Planning withdrawal rate (%)

Expected annual return before inflation (%)

Expected annual inflation (%)

Plain-date semantics · start date is not counted unless the result explicitly says inclusive.

Your result

Base scenario reaches the target Jan 30, 2049

$1,200,000.00 is the spending target divided by the entered 4% planning withdrawal rate.

Why this result

Target portfolio$1,200,000.00

Starting assets$150,000.00

Monthly contribution$2,000.00

Base real return3.88%

Conservative scenarioFeb 29, 20561.88% real return

Base scenarioJan 30, 20493.88% real return

Optimistic scenarioDec 30, 20445.88% real return

Timeline

Feb 29, 2056Conservative scenario

Jan 30, 2049Base scenario

Dec 30, 2044Optimistic scenario

Read before relying

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.

Rule set 1.1.0

Sources & scope

Source & calculation QA reviewed

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.

U.S. Securities and Exchange Commission / Investor.gov · SRC-SEC-COMPOUND-001Compound Interest Calculator and investor educationSource retrieved 2026-08-23 User-provided record · SRC-USER-INPUT-001Entered dates, labels, schedules or planning assumptionsSource retrieved 2026-08-20

JurisdictionUser-entered retirement scenarios in today's dollars — no investment forecast, guarantee, tax or personalized financial advice

Last reviewed2026-08-23

Next review due2027-02-23

Review scopeCalcSpan source & calculation QA

PrivacySensitive inputs stay local · coarse usage analytics only after consent

How this calculation works

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.

Calculation flow

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.

Illustrative default example Base scenario reaches the target Jan 30, 2049

$1,200,000.00 is the spending target divided by the entered 4% planning withdrawal rate.

Target portfolio$1,200,000.00
Base scenarioJan 30, 2049

Defaults are an illustration only. Replace them with the record that applies to your situation.

Assumptions and scope

Calculation purpose: Compare FIRE date scenarios or a Coast FIRE amount using visible return, inflation, spending and withdrawal-rate assumptions. This is a conditional reference output; the linked source and the situation-specific facts control the decision.

Boundary behavior

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 trail

Rule set 1.1.0 · Last reviewed 2026-08-23 · Next review due 2027-02-23. The source panel below contains the linked evidence.

Questions answered

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.