Free FIRE calculator
A FIRE calculator answers the core question of financial independence: how big a portfolio lets you stop working, and when you'll get there. The classic shortcut is 25× your annual spending (a 4% withdrawal), but retiring early stretches the horizon and taxes take a cut — so the real number usually runs higher. Coastline computes it with full tax math for any FIRE age.
Your FIRE number by target spending
How much you need scales with your target lifestyle. Retiring at 45 (a ~50-year horizon), 6% nominal return, 3% inflation, no Social Security:
| Spend / yr | Spend / mo | FIRE number | Multiple |
|---|---|---|---|
| $40,000 | $3,333 | $1,100,000 | 28× |
| $50,000 | $4,167 | $1,380,000 | 28× |
| $60,000 | $5,000 | $1,660,000 | 28× |
| $80,000 | $6,667 | $2,240,000 | 28× |
| $100,000 | $8,333 | $2,830,000 | 28× |
Savings rate is the other half of the answer
Your FIRE number is the target; your savings rate sets the date. The central FIRE insight is that a high savings rate does double duty — it builds the portfolio faster and proves you can live on less, which shrinks the number you need. A calculator that models both your accumulation and your drawdown (as Coastline does) is what ties the savings rate to the finish line, rather than treating the target as a static number.
Along the way sit the FIRE milestones: Coast FIRE (you've saved enough that compounding alone reaches the target, so you can stop contributing), Barista FIRE (part-time income covers the gap), and the Lean/Regular/Fat FIRE tiers that scale with lifestyle.
Why Coastline's version is different
Most free calculators hand you a single headline number with the assumptions hidden. Coastline is built the opposite way:
- Real tax math, not a flat rate. It applies federal and state income tax, long-term capital-gains rules, and account-by-account treatment (taxable, traditional, Roth) — in both your working years and retirement.
- The whole journey. It models accumulation (saving and investing) and drawdown (spending it down), so you see how the plan connects end to end, not just one half.
- The math is shown. Every figure has a click-through breakdown of how it was computed — a level of transparency even paid tools rarely expose.
- US and Canada. It natively handles Canadian plans (RRSP, TFSA, CPP, OAS) alongside US accounts, which most calculators ignore.
- Free, no signup. No account, no email, no account-linking. Your inputs run the projection and are then discarded.
Early retirement makes pre-Medicare healthcare, sequence-of-returns risk, and taxes the dominant challenges, which is why these figures run above a flat 25×. Add Social Security, a paid-off home, or part-time income in the calculator and the number drops.
Common questions
How does a FIRE calculator work?
It combines your savings rate and expected returns to project when your portfolio reaches your FIRE number — the amount that can fund your spending indefinitely. Coastline adds tax math and a full drawdown model so the target reflects spendable, after-tax income.
What is my FIRE number?
Roughly your annual spending times a safe multiple. For $60,000/year retiring early at 45, it’s about $1,660,000 (near 28×) once taxes and a long horizon are included — higher than a flat 25×. Enter your own spending for a personal figure.
Is the Coastline FIRE calculator free?
Yes, entirely free with no signup. It handles Lean, Regular, Fat, Coast, and Barista FIRE, and both US and Canadian accounts.
Does it account for taxes and early-retirement healthcare?
Yes. It models the taxes on withdrawals from each account type and the longer horizon of an early retirement, including the years of self-funded health coverage before Medicare.