Coast FIRE Calculator

Find the balance where you can stop saving and let compounding carry you to financial independence. Enter your expected return and inflation separately; results are shown in today's money, with future-money figures alongside.

Currency
You
yrs
yrs
Money
CHF
CHF
Used to find when you hit Coast.
CHF
In today's prices, what this lifestyle costs now. Don't inflate it yourself; the inflation input handles that. Net of any pension income you expect (AHV, BVG, etc.).
Assumptions
%/yr
Nominal, before inflation.
%/yr
Real return: —
%
Status

—

FIRE number—spending ÷ withdrawal rate
Coast number today—needed now to coast
Coast age—with monthly saving
If you stop today—at retirement

Trajectory to retirement in today's money

Saving until Coast, then coasting Stop saving today Coast line
How it works. Real return = (1 + return) ÷ (1 + inflation) − 1. Coast number = FIRE number ÷ (1 + real return)years to retirement. The coast line rises each year because fewer years remain to compound. Where your savings path crosses it, you can stop contributing and still reach your FIRE number at retirement. Today's money vs. future money. Enter spending at today's prices. The calculator compounds at the real return, so every figure and the chart stay in today's money. The FIRE tile also shows the same target in retirement-year prices for reference. Entering an already-inflated spending figure would count inflation twice. Keep in mind. Returns are smooth averages; real markets are not. A 3–3.5% withdrawal rate is a common conservative choice for early retirees. This is a planning aid, not financial advice.