About

CoastFireCalculator.org is a free educational tool that helps you answer one of the most motivating questions in personal finance: when can I stop saving for retirement and let compound growth do the rest?

The site was built because most retirement calculators answer "will I have enough at 65?" but few answer the more actionable question: "how much do I need invested today so that saving becomes optional?" That number — your Coast FIRE number — turns a vague multi-decade goal into a concrete balance you can track.

Our principles

• Free, forever. No accounts, no paywalls, no email gates.
• Privacy-first. All calculations run in your browser. Your numbers never leave your device.
• Transparent math. Every formula is published on the site, so you can verify the results yourself.
• Honest assumptions. We use conservative, inflation-adjusted (real) returns by default and explain every input.

A note on accuracy

This tool is a simplified planning model. It does not account for taxes, market volatility, sequence-of-returns risk, Social Security, or pensions. Results are estimates for educational purposes only — not financial advice. Please read our disclaimer and consult a qualified financial professional before making major financial decisions.