Coast FIRE

Coast FIRE Calculator UK

Coast FIRE Calculator

Estimate whether today's invested amount could grow toward a future retirement target.

Projection, not a promise. Educational only, not financial advice.

Milestone artifact

Coast FIRE is context, not the main answer.

Use it to understand whether invested assets could carry more of the journey toward a future retirement target. The Financial Independence Year remains the primary Undefeated answer.

Based on your assumptions

Coast FIRE milestone

Coast FIRE number£305,235
Coast point2037

The projection reaches this milestone before the target retirement age, based on these assumptions.

Gap to milestone
£155,235
Projected pot at retirement age
£997,956
Target pot
£990,000
Time to milestone
11 years
Real return
4.0%
Withdrawal rate
4.0%
Safety buffer
10.0%
Retirement age
65

Different from your Financial Independence Year. This does not mean work is optional today.

Assumptions

Edit the milestone assumptions.

Use annual amounts in today's money. The milestone updates in real terms as values change.

Comparison

Coast FIRE is not the Financial Independence Year.

Coast FIRE
Could today's invested amount grow toward a future retirement target?
Financial Independence Year
What year can work become optional?

Methodology

Calculation method.

The method uses real returns so the projection stays in today's money.
Target pot
annual retirement spending / withdrawal rate
Target with buffer
target pot x (1 + safety buffer)
Coast FIRE number
target with buffer / (1 + real return) ^ years to retirement
Coast FIRE year
first year the projected amount can carry toward the target age

Ambit explainers

Read the assumptions behind the result.

Real returnWithdrawal rateSpendingContributions

FAQs

Coast FIRE calculator FAQs

What is Coast FIRE?

Coast FIRE estimates whether invested assets could grow toward a future retirement target by a target age.

How is Coast FIRE different from FIRE?

Coast FIRE is about whether a pot may become self-sustaining by a future age. Full financial independence asks when work can become optional.

Does Coast FIRE mean I can retire now?

No. Coast FIRE is not the same as being financially independent today. It is a projection about a future target age.

What assumptions does the calculator use?

It uses current age, target retirement age, invested assets, annual contribution, annual spending, expected real return, withdrawal rate, and safety buffer.

Is this financial advice?

No. This calculator is educational only. It does not provide financial advice or tell you what to change.

Main calculator

Return to your Financial Independence Year.

Use the main calculator when you want the primary Undefeated answer: the year work can become optional.
Calculate your Financial Independence Year