Why this site exists
CoastFIREWhen answers one question: when can you ease up? Most FIRE resources focus on the finish line. This one focuses on the point where you've done the hard part — and compound growth takes over.
The problem with FIRE conversations
FIRE discussions tend to be all-or-nothing. Either you're grinding toward full financial independence, or you're not. What gets lost is the in-between: the moment your portfolio is large enough that you could stop saving entirely and still hit your goals. That moment arrives for many people in their 30s or 40s — decades before traditional retirement age.
What this site does
Two things. First, calculators that give you your number and show you the math — not black boxes, but explanations you can verify yourself. Second, plain-English guides that cover the surrounding concepts without jargon, affiliate links, or pretending the math is simpler than it is.
Everything runs in your browser. No accounts, no data collection.
Who runs it
One person. No institutional backing, no fund managers, no advertisers beyond AdSense. No conflicts of interest. The goal is to make FIRE math accessible to people who don't want to wade through a finance blog to find it.
The calculators
Standard FIRE math — safe withdrawal rate, expected market returns, your current financial position. The formulas are shown on each page. If you want to check the math, it's right there.
Not financial advice
Educational content only. Consult a licensed financial advisor before making significant financial decisions.
Last updated 2025