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Coast FIRE Planner

Coast FIRE is the point where the money you already have should grow, without new savings, to the retirement amount you need. Enter your savings, your age and planned retirement age, the yearly spending you expect, and the return and withdrawal rates you assume. The calculator shows the target and whether today's savings reach it.

Your numbers

Your plan is ready.
Retirement target 
Savings needed today 
Value at retirement with no more saving 
Coast status 

Scenario table

Each row changes one number by a tenth, and keeps the rest as you entered them.

ScenarioRetirement targetSavings needed today

Scenario chart

The first result for each scenario, drawn to scale.

How to use this planner

Enter your numbers in the boxes. The results update as you type, using the same calculation as the calculator.

The scenario table shows what changes when one number moves. Use it to see which number has the most effect on your result.

Understanding the result

The results are estimates. They use only the numbers you enter, so they can differ from what a bank, lender, or adviser calculates.

Monica Tulips ยท Updated: October 31, 2026

About the author

Monica Tulips

Monica Tulips

Finance Writer, Moni Calculator Pro

Monica Tulips writes the personal finance, savings, and loan guides on Moni Calculator Pro. Each calculator's math is covered by automated tests before its page is published, and the guides explain that math in plain language.

Frequently asked questions

What does Coast FIRE mean?

It is the point where your current savings should grow, without new contributions, to the retirement target you set. You can then reduce new savings, though you still need income for current costs.

How is the retirement target worked out?

It is the yearly spending you expect divided by the withdrawal rate you choose. A lower rate gives a larger target, and a higher rate gives a smaller one.

Does the calculator include inflation?

No. It uses the return and spending you enter as they are. If you want inflation included, enter spending in future money, and use a return after inflation.

Does Social Security count toward the target?

The calculator does not include it. If you expect other retirement income, you may need a smaller target, so adjust the yearly spending to the amount you would take from savings.

Why does the result change so much when the return changes?

Growth compounds over the years until retirement, so a small change in the return has a large effect on the savings needed today. Test a few return rates to see the range.