FIRE and Coast FIRE

Explore the assets and saving time needed to fund your spending, with an adjustable withdrawal assumption.

  • Methods explained
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  • Chart
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  • Printable report

Use spending, balances and contributions in today’s purchasing power. The real return is already after inflation; do not subtract inflation a second time.

Your target

$
%

Saving assumptions

$
$
%

Financial independence

FIRE number$1,500,000.00

Target first reached at age 60, in 20 years.

Balance at end of projection$4,291,071.66

Coast FIRE

Needed today to coast$684,580.42
Additional balance needed today$384,580.42

The current balance falls short of the coast target under these assumptions.

Saving versus coasting

Annual projection
AgeContinue savingCoastTarget
40$300,000$300,000$1,500,000
41$342,000$312,000$1,500,000
42$385,680$324,480$1,500,000
43$431,107$337,459$1,500,000
44$478,351$350,958$1,500,000
45$527,486$364,996$1,500,000
46$578,585$379,596$1,500,000
47$631,728$394,780$1,500,000
48$686,998$410,571$1,500,000
49$744,477$426,994$1,500,000
50$804,257$444,073$1,500,000
51$866,427$461,836$1,500,000
52$931,084$480,310$1,500,000
53$998,327$499,522$1,500,000
54$1,068,260$519,503$1,500,000
55$1,140,991$540,283$1,500,000
56$1,216,630$561,894$1,500,000
57$1,295,296$584,370$1,500,000
58$1,377,107$607,745$1,500,000
59$1,462,192$632,055$1,500,000
60$1,550,679$657,337$1,500,000
61$1,642,706$683,630$1,500,000
62$1,738,415$710,976$1,500,000
63$1,837,951$739,415$1,500,000
64$1,941,469$768,991$1,500,000
65$2,049,128$799,751$1,500,000
66$2,161,093$831,741$1,500,000
67$2,277,537$865,011$1,500,000
68$2,398,638$899,611$1,500,000
69$2,524,584$935,595$1,500,000
70$2,655,567$973,019$1,500,000
71$2,791,790$1,011,940$1,500,000
72$2,933,462$1,052,418$1,500,000
73$3,080,800$1,094,514$1,500,000
74$3,234,032$1,138,295$1,500,000
75$3,393,393$1,183,827$1,500,000
76$3,559,129$1,231,180$1,500,000
77$3,731,494$1,280,427$1,500,000
78$3,910,754$1,331,644$1,500,000
79$4,097,184$1,384,910$1,500,000
80$4,291,072$1,440,306$1,500,000
How it works›

Today’s dollars. Target assets equal annual spending divided by the assumed withdrawal rate. Coast assets discount that target at the real return to your retirement age. Contributions arrive at year-end and remain constant after inflation.OpenStax: annuity formulas

A range, not a guarantee. Try several withdrawal rates, such as 3%, 4% and 5%, and save scenarios to compare them. These are user assumptions, not safe-withdrawal recommendations. This constant-return model omits sequence risk, taxes, fees beyond the assumed return, and changes in spending. A target beyond the selected horizon is reported as not reached.OpenStax: annuity formulas