Planning
FIRE and Coast FIRE calculator
Estimate your financial independence target, saving timeline and Coast FIRE balance using spending, income, inflation and withdrawal assumptions.
Content updated . Assumptions reviewed .
Your inputs
Showing the example. Edit your inputs, then calculate.
Months to target
500 months
Months to your entered spending target under a constant real-return assumption.
- Target
- 600,000
- Coast Target
- 600,000
- Monthly Saving
- 1,000
- Months To Freedom
- 500
- Freedom Date
- 2068-05
- Years To Freedom
- 41.67
- Coast Reached
- No
- Annual Real Return
- 0
- Annual Unfunded Spending
- 24,000
Illustrative result from your inputs and the dated assumptions shown; not a forecast, recommendation or offer
KlarFort is not financial, investment, tax, or legal advice. Verify outputs before making material decisions. Read the disclaimer.
Personal and commercial use is free with credit to KlarFort. See usage and credit.
About this calculator
FIRE means financial independence, retire early. This calculator turns the annual spending not covered by entered income into an investment target using your chosen withdrawal rate.
Estimate the months needed to reach that target with regular saving, or calculate the balance needed today for Coast FIRE without future contributions. All spending and saving amounts are expressed in today's money.
How to use this calculator
- Choose Standard, Lean, Fat, Barista, Coast or Expat mode and enter your target monthly spending.
- Enter the invested balance, withdrawal rate, return and inflation assumptions.
- Enter saving as a monthly amount or a share of take-home income. Add pension or part-time income where the selected mode uses it.
- Set the starting month and, for Coast, months until retirement. Calculate and review the target, timing and real return.
Understand your result
The FIRE target divides annual spending left after modeled income offsets by the withdrawal rate. Months to freedom is the first whole month the investment balance reaches that target, within 600 months.
Coast target is the balance needed now to grow to the retirement target without more contributions. Reaching it does not fund current living costs or guarantee future returns or withdrawals.
Questions about this calculator
How do Lean and Fat FIRE differ in this calculator?
Both use the monthly spending you enter, with no hidden multiplier. Choose a spending target that represents the scenario you want to explore; changing the mode alone does not change that target.
How are Barista income and pensions treated?
Barista mode subtracts entered part-time income from spending as well as the entered pension. Expat mode excludes pension income. Other modes use the entered pension as an ongoing income offset in today's money.
Does the withdrawal rate predict how long money lasts?
No. It is an editable planning assumption used to calculate a target. The model uses a constant real return and does not determine whether withdrawals can continue indefinitely or establish pension eligibility.
Where do my figures go?
Your page calculations run in this browser. The API and connected assistants send the inputs supplied to them to our Cloudflare Worker. See Privacy.
How can I reproduce this result?
Use the same inputs and assumptions shown here. Simulation seeds reproduce the same paths. Read the calculation documentation.
Your calculation table
No scheduled rows for these inputs.
Citable worked example
Coast FIRE reference calculations for ages 20 to 60 and monthly spending from USD 1,000 to USD 5,000. Retirement is age 65, with a 4% withdrawal rate, 5% nominal annual return and 2% inflation. Values show the retirement target and the balance needed now in today’s USD. The table contains 45 rows and is available as CSV and JSON. Formula and assumptions reviewed 2026-09-07.
These are fixed public examples. Your calculation above does not change this table.
View all 45 rows
| Age Now | Retirement Age | Monthly Spending USD | Withdrawal Rate Percent | Assumed Nominal Return Percent | Assumed Inflation Percent | Target At Retirement In Today USD | Coast Balance Now USD |
|---|---|---|---|---|---|---|---|
| 20 | 65 | 1,000 | 4 | 5 | 2 | 300,000 | 81,397.4 |
| 20 | 65 | 2,000 | 4 | 5 | 2 | 600,000 | 162,794.8 |
| 20 | 65 | 3,000 | 4 | 5 | 2 | 900,000 | 244,192.2 |
| 20 | 65 | 4,000 | 4 | 5 | 2 | 1,200,000 | 325,589.59 |
| 20 | 65 | 5,000 | 4 | 5 | 2 | 1,500,000 | 406,986.99 |
| 25 | 65 | 1,000 | 4 | 5 | 2 | 300,000 | 94,092.75 |
| 25 | 65 | 2,000 | 4 | 5 | 2 | 600,000 | 188,185.5 |
| 25 | 65 | 3,000 | 4 | 5 | 2 | 900,000 | 282,278.25 |
| 25 | 65 | 4,000 | 4 | 5 | 2 | 1,200,000 | 376,371 |
| 25 | 65 | 5,000 | 4 | 5 | 2 | 1,500,000 | 470,463.75 |
| 30 | 65 | 1,000 | 4 | 5 | 2 | 300,000 | 108,768.16 |
| 30 | 65 | 2,000 | 4 | 5 | 2 | 600,000 | 217,536.33 |
| 30 | 65 | 3,000 | 4 | 5 | 2 | 900,000 | 326,304.49 |
| 30 | 65 | 4,000 | 4 | 5 | 2 | 1,200,000 | 435,072.66 |
| 30 | 65 | 5,000 | 4 | 5 | 2 | 1,500,000 | 543,840.82 |
| 35 | 65 | 1,000 | 4 | 5 | 2 | 300,000 | 125,732.47 |
| 35 | 65 | 2,000 | 4 | 5 | 2 | 600,000 | 251,464.93 |
| 35 | 65 | 3,000 | 4 | 5 | 2 | 900,000 | 377,197.4 |
| 35 | 65 | 4,000 | 4 | 5 | 2 | 1,200,000 | 502,929.87 |
| 35 | 65 | 5,000 | 4 | 5 | 2 | 1,500,000 | 628,662.33 |
| 40 | 65 | 1,000 | 4 | 5 | 2 | 300,000 | 145,342.65 |
| 40 | 65 | 2,000 | 4 | 5 | 2 | 600,000 | 290,685.3 |
| 40 | 65 | 3,000 | 4 | 5 | 2 | 900,000 | 436,027.95 |
| 40 | 65 | 4,000 | 4 | 5 | 2 | 1,200,000 | 581,370.6 |
| 40 | 65 | 5,000 | 4 | 5 | 2 | 1,500,000 | 726,713.25 |
| 45 | 65 | 1,000 | 4 | 5 | 2 | 300,000 | 168,011.38 |
| 45 | 65 | 2,000 | 4 | 5 | 2 | 600,000 | 336,022.77 |
| 45 | 65 | 3,000 | 4 | 5 | 2 | 900,000 | 504,034.15 |
| 45 | 65 | 4,000 | 4 | 5 | 2 | 1,200,000 | 672,045.53 |
| 45 | 65 | 5,000 | 4 | 5 | 2 | 1,500,000 | 840,056.92 |
| 50 | 65 | 1,000 | 4 | 5 | 2 | 300,000 | 194,215.7 |
| 50 | 65 | 2,000 | 4 | 5 | 2 | 600,000 | 388,431.41 |
| 50 | 65 | 3,000 | 4 | 5 | 2 | 900,000 | 582,647.11 |
| 50 | 65 | 4,000 | 4 | 5 | 2 | 1,200,000 | 776,862.82 |
| 50 | 65 | 5,000 | 4 | 5 | 2 | 1,500,000 | 971,078.52 |
| 55 | 65 | 1,000 | 4 | 5 | 2 | 300,000 | 224,507.05 |
| 55 | 65 | 2,000 | 4 | 5 | 2 | 600,000 | 449,014.1 |
| 55 | 65 | 3,000 | 4 | 5 | 2 | 900,000 | 673,521.15 |
| 55 | 65 | 4,000 | 4 | 5 | 2 | 1,200,000 | 898,028.2 |
| 55 | 65 | 5,000 | 4 | 5 | 2 | 1,500,000 | 1,122,535.25 |
| 60 | 65 | 1,000 | 4 | 5 | 2 | 300,000 | 259,522.86 |
| 60 | 65 | 2,000 | 4 | 5 | 2 | 600,000 | 519,045.72 |
| 60 | 65 | 3,000 | 4 | 5 | 2 | 900,000 | 778,568.58 |
| 60 | 65 | 4,000 | 4 | 5 | 2 | 1,200,000 | 1,038,091.44 |
| 60 | 65 | 5,000 | 4 | 5 | 2 | 1,500,000 | 1,297,614.3 |
Computed with KlarFort Calculators, https://klarfort.com/
Calculator reference: https://klarfort.com/tools/fire-calculator/. Usage and credit.
Formula and assumptions
FIRE target = annual unfunded spending / withdrawal rate. Real growth = (1 + nominal return)/(1 + inflation) − 1. Coast target = FIRE target / (1 + real growth)^(retirement months/12).
- All spending and savings are in today's money. Lean and Fat use your entered spending target without a hidden multiplier. Barista offsets spending with entered part-time income. Expat ignores pension income.
- Savings may be an entered monthly amount or a percentage of take-home income. Beginning-month contributions grow at the entered real return. Freedom duration is the first whole month reaching the target, capped at 600 months.
- The withdrawal rate is an editable planning assumption, not a guarantee. A pension is treated as an enduring real income offset; enter zero when it will not be available at the target date.
Assumptions reviewed:
Sources
- KlarFort calculation methodology. Free to use with the credit line; vintage 1.
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