See exactly when your money sets you free.
Create a free account to chart your path to Coast FIRE and full financial independence, in today's dollars, saved across every device.
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Your journey to FI
FI number
$1.0M
Coast FIRE
Age 43
Full FI
Age 53
Investing
$1,750/mo
Use the calculator free
Create an account to enter your own numbers, compare scenarios, and track your progress across devices.
What is Coast FIRE?
The moment your investments can grow into a full nest egg on their own (no further contributions required). From there, you only need to cover today's expenses while compounding does the rest.
What's an FI number?
The portfolio size that funds your retirement spending indefinitely at your safe withdrawal rate. Hit it, and work becomes optional.
Lean, fat, or barista?
They aren't different formulas. They're the same one run on a different level of spending. The calculator gives you all of them at once, each with its own coast number.
How it works
Enter your age, income, current savings, and how much you expect to spend each year in retirement.
The calculator divides that yearly spending by your safe withdrawal rate to find your full FI number, then works out your Coast FIRE number and the age you would reach each one.
Adjust any input and every result updates immediately, so you can test a raise, a move, or a later retirement age.
What to do with your result
Your Coast FIRE date tells you where you stand today, not how to move it sooner. Build Real Wealth teaches the system behind the number: building a real savings rate, investing it simply and consistently, paying down high-interest debt first, and tracking your progress instead of guessing at it. The calculator shows you the target. The course teaches the habits that get you there faster.
Explore Build Real WealthFrequently asked questions
Ready to map your path?
Create a free account to save scenarios and track your progress, then learn to reach that date sooner in Build Real Wealth.