FIRE Calculator
4% matches the familiar 25× rule so the savings-rate table stays comparable. A 5% real return is the community planning assumption after inflation. Longer horizons often use a lower withdrawal rate. This is a model, not a prediction.
The Coast number is the FIRE number brought back to today with the real return and the years until a traditional retirement age.
🇺🇸 Your FIRE number, with your assumptions on screen.
Share of that benefit you count
Coast number
$208,240
Gap
$208,240
Years to the FIRE number
—
Coast FIRE
Not yet
Coast number with no benefit
$347,066
Annual spending
$60,000
Counted benefit
$24,000
Spending the portfolio must fund
$36,000
Coast number at another real return
5.0% real
$208,240
7.0% real
$118,230
This Coast number is in today's dollars. A figure near $278,000 comes from inflating the target and then discounting at a nominal return.
Coast FIRE
Educational estimate, not advice. Markets, taxes, healthcare, and longevity can change the outcome. This is a model, not a prediction.
Your FIRE number · Coast FIRE · Assumptions on screen
Read the full guide →Facts last reviewed:
A FIRE number is the invested balance that could fund your annual spending at the withdrawal rate you choose. At 4%, that is 25 times spending. The rate stays on screen because a longer retirement often uses a lower rate. The result is in today's dollars. It is an educational model, not a prediction or advice.
4% is the familiar 25× rule, so the savings-rate comparison stays familiar. Longer horizons often use a lower rate. The calculator shows a suggested rate for your horizon. Bengen's 30-year worst case of 4.7% is a reference, not the default. Markets, taxes, healthcare, and longevity can change the outcome.
Savings rate is annual savings divided by annual savings plus annual spending. It is not savings divided by gross pay. A higher rate shortens the time to the FIRE number when the return and withdrawal rate stay the same.
This page answers one question: what balance funds this spending, and how long current savings and new contributions take to get there. The retirement calculator models accounts, Social Security or CPP/OAS, RMDs, and Monte Carlo. Use this for the FIRE number, then the retirement calculator for the account-level plan.
Facts last reviewed:
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