🏄 CoastFIRE Calculator

Nominal projections with pension offsets, after-tax brokerage, employer match, and clean pre/post-coast phases.

Inputs auto-saved in your browser
👤 Age ▶
18 – 70 yrs
40 – 85 yrs
💼 Income ▶
Primary
$
Up to $300,000/yr
Include Spouse / Partner
Adds spouse income & separate employer match
Household Income & Employer Match
■ Primary: — ■ Total Match: — Savings rate: —
🏦 Tax-Advantaged 401k / IRA ▶
Primary 401k / IRA
$
$
Up to $150,000/yr (incl. catch-up)
%
%
Primary match: —/yr · Total into 401k: —/yr
📈 Brokerage Taxable ▶
$
$
%
Annual tax on dividends
%
Tax on gains at withdrawal
🎯 Pension & Annuities ▶
Include Pension / Annuity Income
Reduces the portfolio withdrawal needed
$
COLA — Inflation-Adjusted
Social Security & most gov pensions are COLA
🏛️ Social Security ▶
Include Social Security Income
Always COLA-adjusted — reduces your FIRE portfolio target
📊 Spending & Returns ▶
$
%
%
%
4% = Trinity study standard; 3.5% = conservative
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
Detail
AgePhaseTax-AdvBrokerageEff. TotalCoastFIRE TargetProgress