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Retirement

Coast FIRE Calculator

See when your current balance may be large enough to grow on its own toward traditional retirement.

Best used for

Models your current plan in plain English.

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Reaching Independence

Coast FIRE Calculator

See when your current balance may be large enough to grow on its own toward traditional retirement.

Snapshot
You may need about $547,662 more invested now to fully coast.
With no further contributions, your current balance could grow to $1,202,338 by age 60.
Projected coast balance
$1,202,338
Target portfolio
$1,750,000
Your Numbers
Current age
Used to estimate your planning horizon.
35
Retirement age
The age you want full-time work to become optional.
60
Total invested assets today.
$
How much you plan to invest every month.
$
Annual return
Nominal annual portfolio growth assumption.
7
Expected annual spending in retirement.
$
Choose the planning rule you want to use.
Results
You may need about $547,662 more invested now to fully coast.
With no further contributions, your current balance could grow to $1,202,338 by age 60.
Projected coast balance
$1,202,338
Target portfolio
$1,750,000
Coast gap
$547,662
Years to retirement
25 years

Projection outlook

See how the modeled path evolves over time under the current assumptions.

Projected balance
Total contributions
Target line

Optimistic currently leads conservative by about $1,244,696.

Important findings
What the current inputs suggest
With no further contributions, your current balance could grow to $1,202,338 by age 60.
What changes the result most
Optimistic currently leads conservative by about $1,244,696, so the outcome is meaningfully sensitive to your assumptions.
How to use this result
Use the headline to frame the decision, then check the supporting metrics and timeline before acting. The output is strongest as a planning tool, not as a guarantee.

How it works

The calculation, without the clutter

1

WealthyNest uses reusable finance formulas for compounding, withdrawal targets, and cash-flow projections.

2

Each tool pairs those formulas with calculator-specific assumptions and a concise summary.

Where this tool is most useful

Coast FIRE Calculator is most useful when you have a clear target lifestyle and want to see whether your current savings plan supports it.

Key assumptions

What to sanity-check

  • Returns are smoothed estimates and do not reflect real-world market volatility.
  • All figures are in today's dollars unless the calculator is explicitly modeling inflation adjustments.
  • This tool is intended for planning, education, and comparison rather than certainty.

Companion guide

Coast FIRE explained

Learn how Coast FIRE works and when your current portfolio may be able to grow on its own.

Read the guide

FAQ

Common questions

Are these outputs guarantees?

No. They are planning estimates based on your assumptions and should be updated as markets, taxes, and spending change.

Do these calculators replace professional advice?

No. They are a strong planning starting point, but tax, legal, and investment decisions should be reviewed with a qualified professional when appropriate.

How often should I revisit my inputs?

A good rule is to revisit assumptions after major income, spending, family, tax, or market changes and at least a few times per year.

Why do the optimistic and conservative scenarios matter?

They help you see how sensitive the result is to assumptions instead of anchoring on one exact output.

Coast FIRE Calculator | WealthyNest