Coast FIRE calculator
Coast FIRE means you've invested enough that, without saving another cent, it grows into your FIRE number by the time you retire. From then on you only need to earn what you spend.
Import from Trading 212, Degiro, IBKR and more, and see your real returns in one place.
How Coast FIRE works
Your Coast FIRE number
Your FIRE number, shrunk by the growth you'd get between now and retirement. At 35, retiring at 65, €178,000 grows into €750,000 on its own.
You still go to work
At Coast FIRE you stop investing and keep working. You only need to earn what you spend, so you can take a lower-paid job, work fewer hours, or take a long break and come back.
Starting early does most of the work
The Coast FIRE number at each age for the same €750,000 goal at 65. At 25 you need less than a quarter of what you'd need at 55.
What can push it back
Coasting leaves decades for returns to fall short of the plan. Check every year or two, and save a little again if you fall behind.
Other kinds of FIRE
Full FIRE
Enough invested to cover all your spending, with no work at all. Find your number and the month you get there.
FIRE calculatorBarista FIRE
You leave full-time work and part-time income covers some of your spending, so the portfolio can be smaller.
Barista FIRE calculatorRead more
Track the portfolio that gets you there
This calculator runs on the return you expect. Stonksfolio shows the one you're getting, across every broker you use.
- Your real returnTime-weighted, so deposits don't skew it. Check it against what you assumed here.
- Every broker in one placeImport from Trading 212, Degiro, Interactive Brokers and more.
- This month's buy ordersSet target weights, enter what you're adding, and get the exact orders.
- BenchmarksSee how you're doing against the S&P 500, MSCI World or gold.
Free to start. No credit card.
