🏄 CoastFIRE Calculator

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

Auto-saved
build v72
The 5 inputs that drive most of the result. Switch to Advanced for pension, SS, HSA, healthspan and more.
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: — · —
🚀
Calculating…
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): —