MultiverseOSPFree tool
FIRE and Coast FIRE calculator
Estimate your financial independence number and how long it might take, using assumptions you choose. Runs in your browser; nothing is stored or sent.
FIRE number
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- Coast FIRE number
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- Years to FI
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- Age at FI
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Informational tool only. Not financial, tax, or legal advice.
Want the full version with your own data? Your FIRE number, Coast FIRE number, years to financial independence, scenarios and a stress test.
See the FIRE & Coast FIRE Calculator, $15How it works
Real return = (1 + return) / (1 + inflation) - 1. FIRE number = spending / withdrawal rate. Coast FIRE = FIRE number / (1 + real return)^(years to retirement age). Years to FI adds your contributions each year at the real return until the balance reaches the FIRE number. Everything is in today's dollars.
FAQ
Is this a prediction?
No. It uses a constant return you choose. Real markets vary; treat results as an illustration, not a forecast or advice.
Informational tool only. Not financial, tax, or legal advice.