Coast FIRE Calculator

This calculator works out your Coast FIRE number, the lump sum you need invested today so it can grow on its own, with no further contributions, to fund your retirement by the time you get there. Coast FIRE is a popular staging post on the way to full financial independence: you keep working and covering your living costs from income, but you stop needing to save for retirement because your existing investments are already set to compound to your target. You enter your current investments, current age, planned retirement age, expected real (after inflation) rate of return, annual retirement spending, and the withdrawal rate you plan to draw down at. From these, the calculator works out your retirement target (your spending divided by the withdrawal rate), your Coast FIRE number (that target discounted back to today by your expected growth), and what your current balance is projected to grow to by retirement with no more contributions added. A clear result then tells you whether you are already coasting or how much more you would need to invest to get there. Because it uses a real return, the figures come out in today's dollars, and it does not account for NZ Superannuation, which would reduce what you actually need. Returns are never guaranteed, so treat the numbers as an indicative planning guide rather than financial advice.

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Use a real return (after inflation) so the figures are in today dollars. The retirement target is your annual spend divided by the withdrawal rate. This ignores NZ Super, which would reduce the savings you need. Returns are not guaranteed. Estimate only, not financial advice.