What is Coast FIRE?
Having enough invested that growth alone reaches your FIRE number by retirement age. You keep working to pay for today, but you no longer need to save for later.
Calculators · Canada
Coast FIRE Planner
Find the month you can stop saving for retirement
- Community votes0
- DR by Ahrefs0 no change since last check
Ahrefs Domain Rating set in type 6 Nov 2026, reset 5 Nov 2026.
Free calculator showing when you can stop saving for retirement and let investment growth reach your goal.
The story so far
Coast FIRE Planner is a free calculator that helps you determine when you can stop saving for retirement. It calculates your coast date—the month your portfolio will reach your target amount through growth alone—and shows the odds of success across 1,000 simulated market scenarios. The tool includes what-if scenarios to see how changes like higher savings, longer working years, or lower returns affect your timeline.
The calculator accounts for investment fees, contribution raises, inflation, and safe withdrawal rates. It provides a share link to compare plans with others and requires no sign-up. Results are educational estimates based on your assumptions.
Typeset features
- Shows the exact month you can stop saving
- Runs 1,000 simulated markets to show odds of success
- What-if scenarios for savings, returns, and fees
- Accounts for investment fees and contribution raises
- Share links to compare plans with others
- No sign-up required
- Calculations run in browser, data not stored
- Shows formulas and assumptions transparently
Pricing
Pricing model: Free
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Coast FIRE Planner metrics
| Metric | Value |
|---|---|
| Domain Rating | 0 no change since last check |
| Trust Flow | 0 no change since last check |
| Citation Flow | 16 no change since last check |
| Referring domains | 2 no change since last check |
| External backlinks | 4 no change since last check |
Ahrefs Domain Rating set in type 6 Nov 2026, reset 5 Nov 2026. Majestic set 5 Nov 2026, reset 5 Nov 2026. Link data typeset by Majestic. Trust Flow, Citation Flow and Topical Trust Flow are trademarks of Majestic-12 Ltd.
Coast FIRE Planner domain colophon
Read the colophon
| Domain age | 1 month |
|---|---|
| Registered | |
| Expires | |
| Registrar | Spaceship, Inc. |
| DNSSEC | Not signed |
Coast FIRE Planner launch colophon
Measured after Coast FIRE Planner went live on Zivaro Launch on 5 November 2026.
- Domain Rating (Ahrefs)
- 0
- First measured 5 Nov 2026
- Trust Flow (Majestic)
- 0
- First measured 5 Nov 2026
- Referring domains (Majestic)
- 2
- First measured 5 Nov 2026
Day 0 since launch. Next receipt: day 30, 5 Dec 2026. These are measurements, not proof of cause: many things move these numbers. Figures we have not measured are left out.
Your launch, step by step
Free tips from Zivaro Launch for getting ready, launch day, the week after and what to do next.
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Questions and answers
What return should I use?
The calculator defaults to 7% before inflation. Use a lower number if more of your money is in bonds or cash, and check how the result changes with the what-if rows.
How are the odds of success calculated?
The calculator simulates 1,000 possible markets with yearly swings of about 15% around your expected return, and counts how many reach your FIRE number by your retirement age.
Is the 4% rule safe for an early retirement?
It comes from studies of 30-year retirements. Many planners use 3–3.5% for longer ones. Change the withdrawal rate under Assumptions to see the effect.
Does it include Social Security or CPP?
Not directly. Lower your yearly spending by the pension you expect, in today's money.
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Coast FIRE Planner has a free listing. The owner can unlock the full profile with a paid launch for $5:
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- Demo video (locked)
- Dofollow website link (locked)
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