Retire early, by the numbers.
Coast FIRE, in ten seconds
Coast FIRE number $263,555
38% of the way, retiring at 65
Your portfolio, no new money Coast FIRE target by age
Open the full calculator with these numbers11 free calculators for early retirement in the US. No sign-up, nothing saved, every result shareable as a link.
The 4% rule
Spending $40,000 a year? At 4% you need $1,000,000 invested.
In Bengen's 1994 study, 4% lasted through every 30-year stretch of US market history he tested.
11 calculators
FIRE
Retirement income
Social Security is the floor
Since 1935 it has paid a base income in retirement. Your portfolio pays for everything above it. Subtract your expected benefit from your spending, and every calculator here shows what the rest takes.
President Roosevelt signs the Social Security Act, August 14, 1935. Public domain, via Wikimedia Commons.
Show your work
Coast FIRE · your plan
- Age
- 30
- Invested
- $100,000
- Spending
- $40,000
First you type your numbers, any way you like: 40k works.
Coast FIRE · your plan
- Age
- 30
- Invested
- $100,000
- Spending
- $40,000
$40,000 ÷ 4% = $1,000,000
$1,000,000 ÷ 1.038835 = $263,555
Then every step of the math is on the page.
Coast FIRE · your plan
$263,555 Coast FIRE number
glidepath…/coast-fire-calculator/?currentAge=30&invested=100000&spending=40000
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glidepath-coast-fire.csv
| Age | Portfolio |
|---|---|
| 30 | $100,000 |
| 37 | $130,565 |
| 44 | $170,471 |
| 51 | $222,576 |
| 58 | $290,605 |
| 65 | $379,428 |
Take it into your own spreadsheet, year by year.
Plain answers
All articles
Good questions
Yes. Every calculator is free, with no account, no email and no limit on how often you use it.
We don't save them. The math runs in your browser, and your inputs live in the page address, so they go only where you send the link.
So a result compares with what life costs now. We grow money at the return after inflation, which means $40,000 in year 30 buys what $40,000 buys today.
The arithmetic is exact for its assumptions: steady returns, steady inflation, a fixed withdrawal. Markets are not steady, so revisit your plan each year and use the Monte Carlo calculator to see the range.
No. It is education and arithmetic. For decisions about taxes, accounts or insurance, talk to a licensed fiduciary adviser.
An independent site. No bank, broker or fund owns it, and no calculator is built to steer you toward a product.