🏄 CoastFIRE Calculator

Find the age you can stop saving. Compound growth handles the rest.

Inputs auto-saved in your browser build v70
You
👤 Age ▶
18 – 70 yrs
40 – 85 yrs
💼 Income ▶
Primary
$
Up to $300,000/yr
Include Spouse / Partner
Adds spouse income & separate employer match
%
Applies to both primary & spouse income. Contributions and employer match scale with salary each year. Typical: 3% (matches inflation) or 4–5% (real raises). Set 0% to keep contributions flat in nominal dollars.
Household Income & Employer Match
■ Primary: — ■ Total Match: — Savings rate: —
Investments
🏦 Traditional 401k / 403b / TSP Pre-tax ▶
💡 Pre-tax workplace plan. Contributions reduce taxable income now; withdrawals are taxed in retirement.
Primary 401k / 403b / TSP
$
$
Up to $150,000/yr (incl. catch-up)
%
%
Primary match: —/yr · Total into 401k: —/yr
📋 Traditional IRA Pre-tax ▶
💡 Traditional IRA: tax-deductible contributions (income limits apply); withdrawals taxed. 2026 limit: $7,000 ($8,000 if 50+).
$
$
2026 limit: $7,000 ($8,000 if 50+)
🌱 Roth 401k / 403b / TSP Tax-free ▶
💡 After-tax workplace Roth. Qualified withdrawals are 100% tax-free. 2026 limit: $23,500 ($31,000 if 50+).
$
$
2026 limit: $23,500 ($31,000 if 50+)
Employer Match for Roth 401k
Company matches my Roth 401k too
Most plans match total contributions (Trad + Roth) against the cap. Match rate & cap come from the Traditional 401k card.
Deposit match into Roth (SECURE 2.0)
Default = match goes to Traditional. Plan must offer this option.
🌿 Roth IRA Tax-free ▶
💡 Roth IRA: after-tax, grows tax-free, no RMDs. Also include backdoor Roth or Roth conversion balances here. 2026 limit: $7,000 ($8,000 if 50+).
$
$
2026 limit: $7,000 ($8,000 if 50+)
💎 Health Savings Account (HSA) Triple tax-advantaged ▶
💡 The most tax-advantaged account in the US: pre-tax contributions, tax-free growth, tax-free withdrawals for medical. Requires HDHP enrollment. 2026 limits: $4,300 single / $8,550 family (+$1,000 catch-up at 55+). Combine both spouses' HSAs in this section.
$
Most HSAs require a cash threshold (e.g. $1,000) before letting you invest the rest. Enter the invested portion.
$
Up to $8,550/yr for family HDHP coverage (2026). Add catch-up if 55+.
Traditional (default): conservative — assume you'll use it for general retirement at 65+, taxed as ordinary income. Receipts: aggressive — track all qualified medical expenses, withdraw matching $ tax-free at any age (the "stealth Roth" strategy).
📈 Brokerage Taxable ▶
$
$
%
Annual tax on dividends
%
Tax on gains at withdrawal
Future Income
🎯 Pension & Annuities ▶
Include Pension / Annuity Income
Reduces the portfolio withdrawal needed
$
COLA — Inflation-Adjusted
Social Security & most gov pensions are COLA
Taxable
Off = after-tax annuity or tax-exempt pension (delivered as net cash)
🏛️ Social Security ▶
Include Social Security Income
Always COLA-adjusted — reduces your FIRE portfolio target
💵 Other Income ▶
Include Other Recurring Income
Rental, royalties, part-time work, trust distributions, etc.
Plan & Goals
📊 Spending & Returns ▶
$
%
%
%
4% = Trinity study standard; 3.5% = conservative
%
Estimated tax on Traditional withdrawals in retirement. Roth withdrawals are tax-free, so this only applies to the pre-tax portion of your portfolio. Leave 0% if your spending input already includes taxes. Typical: 10–15%.
Investing Past Retirement · optional
Default = retirement age. Set higher to keep contributing past retirement (e.g. part-time work, pension surplus, rental income). Affects the Keep Investing projection only.
$
/yr to 401k + IRA
$
/yr to taxable
Used during years between your retirement age and the "Stop Contributing" age above. Both default to $0 — explicit values let you model reduced post-retirement saving (e.g. consulting income → IRA, side projects → brokerage).
Time & Health
⏳ Healthspan vs Lifespan ▶
💡 Estimate how many healthy, active years you have left vs. your total lifespan. Money loses meaning past your healthspan — this shows the real cost of working longer.
in
lb
Resistance training is the strongest single predictor of mortality after 50 — separate from cardio.
%
Leave 0 if unknown. If provided, overrides BMI penalty (useful for muscular folks BMI mislabels). DEXA / InBody / smart scales give estimates.
BMI: — · —
Display in:
Gross FIRE #
—
Full spending / SWR
Income Offsets
—
Pension + SS / yr
Net FIRE #
—
Portfolio must cover
CoastFIRE Target
—
Portfolio needed today
Portfolio Now
—
After-tax effective
Gap to CoastFIRE
—
—
CoastFIRE Age
—
—
Nominal Return
—
Before tax drag
Real Return
—
After inflation
Household Income
—
Primary + Spouse
Savings Rate
—
% of household income
Total Employer Match
—
Free money / yr
Portfolio Breakdown (current)
■ Tax-Advantaged: — ■ Brokerage (after LTCG): —
📈 Portfolio Projection Through age 80
Stacked accumulation (Trad/Roth/Brokerage) through retirement age, then drawdown of the Total / Coast / Keep-Investing paths net of pension & SS.
💰 Retirement Income Age — · year one
Where your spending comes from on day one. Portfolio & SS are taxed at your blended rate; Pension and Other Income have a Taxable toggle for tax-free streams.
Portfolio balance at retirement
Total Portfolio
—
At age — · all accounts
Trad + Roth
—
Retirement accounts
Brokerage
—
After LTCG drag
🎯 —
Annual income flow
Total Income at Retirement
—
Pre-tax · all sources
Net Spending Target
—
= Total × (1 − tax rate)
Portfolio Withdrawal
—
Pre-tax · fills pen/SS gap
Withdrawal Analysis · am I drawing too much?
Actual Withdrawal Rate
—
% of total portfolio
Recommended (SWR)
—
Your safe rate setting
Status
—
vs SWR target
Pulled proportionally from each bucket:
—
Income Composition · face-value of each source
■ Portfolio: —
Source Monthly Annual % of total Status at retirement
📋 Tax treatment details

All income (portfolio, pension, Other Income, SS) is treated as pre-tax at your blended retirement rate. The Taxable toggle on Pension & Other Income flips them to net cash (after-tax annuity, muni coupons, HSA), reducing your FIRE target. SS is conservatively modeled as fully taxable (it's actually 0–85% federally taxable).

🎯 Income at Any Age "What if I stopped at..."
Pick any age — see your portfolio and total annual income if you stopped working then. Withdrawal at your SWR (currently 4.0%), plus pension/SS/Other Income that's active by that age.
Portfolio at age —
—
Coast strategy
Annual @ SWR
—
From portfolio only
+ Pension/SS/Other
—
Active at this age
Total Annual Income
—
Pre-tax · all sources
Net (After Tax)
—
— blended tax
⏳ Healthspan vs Lifespan The real cost of working longer
Healthspan = years lived actively, mobile, and cognitively sharp. Lifespan = total years. The gap (typically 8–12 years) is when money matters less than energy. Every year you delay retirement disproportionately eats into the healthy ones.
Healthspan
—
Active years
Lifespan
—
Total years
Healthy Years Left
—
From today
Healthy Retirement
—
After your retirement age
Your life, on one bar
■ Lived: — ■ Working: — ■ Healthy retirement: — ■ Decline: —
📋 About these estimates. Lifespan baselines: CDC US life-expectancy tables (~76 male / ~81 female at 30). BMI adjustments: Prospective Studies Collaboration (Lancet 2009). Cardio activity: Lee et al (PLOS Med 2012) and Copenhagen City Heart Study. Strength training adjustments: Saeidifard et al (2019, Mayo Clinic Proc) — resistance training 2+ days/wk = ~23% lower mortality; Stamatakis et al (2018, AJE) — strength + cardio combined = 41% lower mortality; Srikanthan & Karlamangla (2014, AJM) — muscle mass independently predicts mortality; Leong et al (Lancet 2015) — grip strength outperforms BP as a mortality predictor. Healthspan-lifespan gap: Outlive (Attia, 2023). Not medical advice. Genetics, smoking, sleep, social ties, and luck dominate at the individual level — use these as a thinking tool, not a prescription. Read the full piece: Why Healthspan Is the Hidden Variable in Your CoastFIRE Plan →
🎲 Monte Carlo Stress Test
1,000 simulated futures (15% market volatility) from CoastFIRE to retirement — under two strategies: coast (stop contributing) or keep investing.
Detail
AgePhaseTax-AdvBrokerageEff. TotalCoastFIRE TargetProgress
💰 Tools to Execute the Plan
Affiliate links — we may earn a commission. No extra cost to you. We only list tools we'd use ourselves.
Fidelity
401k / IRA · No fees
Commission-free index funds, zero-expense-ratio options (FZROX), and strong Roth IRA support. Ideal for your tax-advantaged bucket.
Open a Fidelity Account →
M1 Finance
Brokerage · Automated
Auto-invest into your "Pie" portfolio on a schedule. Perfect for brokerage contributions — set it once and coast.
Start Investing with M1 →
Robinhood
Brokerage · IRA match
Commission-free brokerage with a Roth/Traditional IRA that offers a 1–3% contribution match (Gold) — rare free money on retirement contributions. Great for your Roth bucket and VTI-style core holdings.
Open Robinhood Account →
Wealthfront Cash
HYSA · High APY
High-yield cash account with FDIC insurance up to $8M. Park your emergency fund and pre-coast savings here, not in checking.
Open Wealthfront Cash →
Financial Freedom Insights
Newsletter · Free
This newsletter is full of financial tips, insights, financial news, announcements, a special treat for those who make it to the bottom, and more!
Subscribe Free →
Empower (Personal Capital)
Net-worth dashboard · Free
The best free tool for tracking your entire financial picture in one place — perfect complement to this calculator. Links all your accounts (401k, IRA, brokerage, cash) and shows your real net worth.
Get Empower Free →
Monarch Money
Budget + net worth · Premium
All-in-one budgeting and net-worth tracker — think Mint's replacement but built for people who actually care about their numbers. Great for couples sharing finances.
Try Monarch →
YNAB (You Need A Budget)
Budget app · 34-day free trial
The budgeting app FIRE folks swear by. Built around giving every dollar a job — the fastest way to find extra savings room without feeling squeezed. No card required for the trial.
Try YNAB Free →
SoFi Invest
Roth IRA · Brokerage
Commission-free brokerage with automated Roth IRAs, active investing, and cash management. Clean mobile app and no minimums — good for investors getting started on their CoastFIRE path.
Open SoFi Invest →
The Simple Path to Wealth
J.L. Collins · Book
The foundational FIRE book. Explains index-fund investing, the 4% rule, and the mindset behind CoastFIRE in a way anyone can follow. I recommend this as the first book on any FIRE reading list.
Read on Amazon →
Outlive
Peter Attia, MD · Book
The canonical book on healthspan vs lifespan. Explains why the last decade of life is mostly decline — and how strength training, Zone 2 cardio, and metabolic health compress that gap. The medical companion to CoastFIRE: money buys time, this book teaches you how to keep the time worth living.
Read on Amazon →
Die With Zero
Bill Perkins · Book
The philosophical companion to CoastFIRE. Argues you should optimize for converting money into memorable experiences during your healthy years, not maximizing your portfolio at death. If you've ever felt guilty about spending money before retirement, this book will rewire your thinking.
Read on Amazon →
✉️ Contact & Consultation
I'm a consultant for this calculator — not a licensed financial advisor. Reach out for:
  • How to use the tool / what each input means
  • Walkthroughs of your results (math only, not advice)
  • 1-on-1 tool sessions, feedback, or partnerships
Nothing here is financial, tax, or investment advice. Consult a fiduciary advisor for personalized guidance.
Email Minh →
💙 Support the Site
Free forever — no logins, ads, or tracking. Tips help cover hosting. Even $3 is appreciated.
💙 Tip via Venmo (@Mivang) →