Staged Coast FIRE calculator

How the calculation works

Each year starts with the prior balance. We apply your real return, then add that year's net flow. A phase runs from its starting age up to, but not including, its ending age. A gap means zero net flow. The target is annual retirement spending divided by the safe withdrawal rate. The starting balance is solved from that target while also keeping every intermediate year nonnegative.

“Earliest age to stop saving” turns positive flows to zero from that age onward and leaves zero or negative flows as planned. It requires both no depletion and a balance at or above the target on retirement day. Returns and spending are in today's dollars. Taxes, fees and investment volatility are not included.

See the staged Coast FIRE guide for worked examples, or choose a destination to prefill local spending.

Coast FIRE by destination

Start from an existing RetireAtlas couple budget:

• Coast FIRE in The Algarve, Portugal
• Coast FIRE in Costa Blanca (Alicante), Spain
• Coast FIRE in Mérida, Mexico
• Coast FIRE in Lake Chapala (Ajijic), Mexico
• Coast FIRE in Penang, Malaysia
• Coast FIRE in Chiang Mai, Thailand
• Coast FIRE in Boquete, Panama
• Coast FIRE in Paphos, Cyprus
• Coast FIRE in Cuenca, Ecuador
• Coast FIRE in Hua Hin, Thailand
• Coast FIRE in Medellín, Colombia
• Coast FIRE in Da Nang, Vietnam