https://mycoastfire.com/ Coast FIRE math, without building the spreadsheet yourself. en-us Tue, 29 Sep 2026 00:00:00 GMT https://mycoastfire.com/blog/is-coast-fire-worth-it https://mycoastfire.com/blog/is-coast-fire-worth-it Is Coast FIRE a good idea? What it really buys you, the risks with real numbers (a bad decade, spending creep, health insurance) and who it suits. Tue, 29 Sep 2026 00:00:00 GMT https://mycoastfire.com/chubby-fire-calculator https://mycoastfire.com/chubby-fire-calculator See your chubby FIRE number for $80,000 to $150,000 a year of spending, the age your saving gets you there, and how chubby FIRE compares with fat FIRE. Tue, 29 Sep 2026 00:00:00 GMT https://mycoastfire.com/coast-fire-calculator-with-inflation https://mycoastfire.com/coast-fire-calculator-with-inflation A Coast FIRE calculator in today's dollars. See how inflation turns your return into a real return and how much the inflation rate moves your date. Tue, 29 Sep 2026 00:00:00 GMT https://mycoastfire.com/coast-fire-formula https://mycoastfire.com/coast-fire-formula Copy-ready Coast FIRE formulas: the number in one cell, the PV and FV version, NPER for when you can coast, and PMT for how much to save each month. Tue, 29 Sep 2026 00:00:00 GMT https://mycoastfire.com/coast-fire-number-by-age/28 https://mycoastfire.com/coast-fire-number-by-age/28 Coast FIRE at 28: your number, where your first real raise should go, student loans vs. investing, and what to do with the 401(k) from your old job. Tue, 29 Sep 2026 00:00:00 GMT https://mycoastfire.com/coast-fire-number-by-age/31 https://mycoastfire.com/coast-fire-number-by-age/31 Coast FIRE at 31: your number, what a two-year pause for a down payment really costs, and what marriage changes. With a worked example for a couple. Tue, 29 Sep 2026 00:00:00 GMT https://mycoastfire.com/coast-fire-number-by-age/32 https://mycoastfire.com/coast-fire-number-by-age/32 Coast FIRE at 32: your number, how to tell if you're actually behind, catching up with a raise, and planning contributions around a first child. Tue, 29 Sep 2026 00:00:00 GMT https://mycoastfire.com/coast-fire-vs-fat-fire https://mycoastfire.com/coast-fire-vs-fat-fire Coast FIRE vs. fat FIRE for a high-earning couple: the targets, the ages each is reached, what a 3% withdrawal rate costs, and how the two fit together. Tue, 29 Sep 2026 00:00:00 GMT https://mycoastfire.com/coast-fire-vs-fire https://mycoastfire.com/coast-fire-vs-fire Coast FIRE vs. traditional FIRE: one saver run through both plans, with the target, the age each is reached, and what the years in between look like. Tue, 29 Sep 2026 00:00:00 GMT https://mycoastfire.com/coast-fire-vs-lean-fire https://mycoastfire.com/coast-fire-vs-lean-fire Coast FIRE vs. lean FIRE, with one saver run through both: the target, the age each is reached, and where lean FIRE and fat FIRE fit in. Tue, 29 Sep 2026 00:00:00 GMT https://mycoastfire.com/coast-fire-with/1-million https://mycoastfire.com/coast-fire-with/1-million What $1 million invested pays for at 65, why most people with it are past Coast FIRE, and the taxes and market risks that decide when you can stop. Tue, 29 Sep 2026 00:00:00 GMT https://mycoastfire.com/coast-fire-with/100k https://mycoastfire.com/coast-fire-with/100k What $100,000 invested pays for at 65 from ages 25 to 55, and why at this balance your monthly contributions matter more than the money you have. Tue, 29 Sep 2026 00:00:00 GMT https://mycoastfire.com/coast-fire-with/200k https://mycoastfire.com/coast-fire-with/200k What $200,000 invested pays for at 65 from ages 25 to 55, and why counting Social Security can pull a 41-year-old's Coast FIRE date in by a decade. Tue, 29 Sep 2026 00:00:00 GMT https://mycoastfire.com/coast-fire-with/3-million https://mycoastfire.com/coast-fire-with/3-million $3 million is Coast FIRE for a $100,000 budget at any age from 25 to 55. What it pays at 65, whether you could stop now, and the risks at this size. Tue, 29 Sep 2026 00:00:00 GMT https://mycoastfire.com/coast-fire-with/300k https://mycoastfire.com/coast-fire-with/300k What $300,000 invested pays for at 65 from ages 25 to 55, and how much a 1% change in returns or two more working years moves a 36-year-old's date. Tue, 29 Sep 2026 00:00:00 GMT https://mycoastfire.com/coast-fire-with/500k https://mycoastfire.com/coast-fire-with/500k Is $500,000 invested enough to stop saving for retirement? What it pays for at 65 from every age, and the math for a 38-year-old three years away. Tue, 29 Sep 2026 00:00:00 GMT https://mycoastfire.com/flamingo-fire-calculator https://mycoastfire.com/flamingo-fire-calculator See when you reach half your FIRE number, when it grows into the full number with no more saving, and how Flamingo FIRE compares with Coast FIRE. Tue, 29 Sep 2026 00:00:00 GMT https://mycoastfire.com/blog/coast-fire-for-doctors https://mycoastfire.com/blog/coast-fire-for-doctors How doctors reach Coast FIRE: residency pay, student loans and PSLF after the 2026 changes, 403(b), 457(b) and 401(a) plans, and a worked example. Mon, 28 Sep 2026 00:00:00 GMT https://mycoastfire.com/blog/coast-fire-military https://mycoastfire.com/blog/coast-fire-military A military pension that starts at 40 can cut your Coast FIRE number by more than half. How to count High-3 or BRS retired pay, TRICARE and the TSP. Sun, 27 Sep 2026 00:00:00 GMT https://mycoastfire.com/401k-contribution-limits-2027 https://mycoastfire.com/401k-contribution-limits-2027 The IRS hasn't set the 2027 401(k) limits yet. Here are the 2026 limits, when and how 2027's get set, the latest forecast, and the new Roth catch-up rule. Sat, 26 Sep 2026 00:00:00 GMT https://mycoastfire.com/blog/coast-fire-federal-employees https://mycoastfire.com/blog/coast-fire-federal-employees How to count a FERS annuity in your Coast FIRE number, why leaving before your MRA costs so much, and why you never coast below the 5% TSP match. Sat, 26 Sep 2026 00:00:00 GMT https://mycoastfire.com/coast-fire-401k-calculator https://mycoastfire.com/coast-fire-401k-calculator Your 401(k) counts toward Coast FIRE. How to enter it and the match, how to allow for taxes on pre-tax money, and when you can take it out. Sat, 26 Sep 2026 00:00:00 GMT https://mycoastfire.com/coast-fire-with-pension-calculator https://mycoastfire.com/coast-fire-with-pension-calculator See your Coast FIRE number with a pension and Social Security. Count a pension with no COLA at its real buying power and cover the years before it starts. Sat, 26 Sep 2026 00:00:00 GMT https://mycoastfire.com/hsa-contribution-limits-2027 https://mycoastfire.com/hsa-contribution-limits-2027 2027 HSA limits are $4,500 for self-only and $9,000 for family coverage, plus $1,000 at 55. Who qualifies, the deadline, and why FIRE savers max it. Sat, 26 Sep 2026 00:00:00 GMT https://mycoastfire.com/retire-at-40 https://mycoastfire.com/retire-at-40 How much you need to retire at 40, why coasting rarely works for a 40 finish, and how to reach your money in the 19½ years before 59½. Sat, 26 Sep 2026 00:00:00 GMT https://mycoastfire.com/retire-at-45 https://mycoastfire.com/retire-at-45 How much you need to retire at 45, what $1 million really pays for, and how to cover the 14½ years before 59½ and the 20 before Medicare. Sat, 26 Sep 2026 00:00:00 GMT https://mycoastfire.com/rule-of-55-calculator https://mycoastfire.com/rule-of-55-calculator Retiring between 55 and 59? See the 401(k) withdrawal you need after tax, the 10% penalty the rule of 55 saves you and what's left at 59½. Sat, 26 Sep 2026 00:00:00 GMT https://mycoastfire.com/savings-rate-calculator https://mycoastfire.com/savings-rate-calculator See how many years your savings rate puts between you and financial independence, the age you could coast, and what 10% to 70% would do. Sat, 26 Sep 2026 00:00:00 GMT https://mycoastfire.com/social-security-cola-2027 https://mycoastfire.com/social-security-cola-2027 The 2027 COLA hasn't been announced yet. How it's calculated, where the estimates stand, the October 14 release date, and what it means for Coast FIRE. Sat, 26 Sep 2026 00:00:00 GMT https://mycoastfire.com/blog/coast-fire-self-employed https://mycoastfire.com/blog/coast-fire-self-employed How self-employed people reach Coast FIRE: 2026 solo 401(k) and SEP IRA limits, planning around irregular income, estimated taxes and ACA coverage. Fri, 25 Sep 2026 00:00:00 GMT https://mycoastfire.com/4-percent-rule-calculator https://mycoastfire.com/4-percent-rule-calculator See the chance your retirement savings last under the 4% rule, how long they last at a steady return, and the rate that holds up in 9 of 10 markets. Thu, 24 Sep 2026 00:00:00 GMT https://mycoastfire.com/blog/what-to-do-after-coast-fire https://mycoastfire.com/blog/what-to-do-after-coast-fire Just crossed your Coast FIRE number? Stress-test it, keep the 401(k) match, and decide where the money you were saving should go now. Thu, 24 Sep 2026 00:00:00 GMT https://mycoastfire.com/compound-interest-calculator https://mycoastfire.com/compound-interest-calculator See what your savings grow to with monthly contributions. Pick a rate and how often interest compounds, and see the result in today's dollars. Thu, 24 Sep 2026 00:00:00 GMT https://mycoastfire.com/retire-at-50 https://mycoastfire.com/retire-at-50 How much you need to retire at 50, how much to have invested today to coast there, and how to reach your money in the 15 years before Medicare. Thu, 24 Sep 2026 00:00:00 GMT https://mycoastfire.com/retire-at-55 https://mycoastfire.com/retire-at-55 How much you need to retire at 55, what to have invested now to coast there, and how the rule of 55 opens your 401(k) years before 59½. Thu, 24 Sep 2026 00:00:00 GMT https://mycoastfire.com/retire-at-60 https://mycoastfire.com/retire-at-60 How much you need to retire at 60, how Social Security cuts that number, and what to plan for in the five years before Medicare. With worked examples. Thu, 24 Sep 2026 00:00:00 GMT https://mycoastfire.com/blog/coast-fire-vs-paying-off-mortgage https://mycoastfire.com/blog/coast-fire-vs-paying-off-mortgage Extra cash toward the mortgage or into investments? How each choice moves your Coast FIRE date and FIRE number, and the rates where the answer flips. Wed, 23 Sep 2026 00:00:00 GMT https://mycoastfire.com/blog/coast-fire-with-kids https://mycoastfire.com/blog/coast-fire-with-kids Daycare can eat your retirement savings for five years. How to plan for that with Coast FIRE: save before kids, keep the match, and use 2026 tax breaks. Tue, 22 Sep 2026 00:00:00 GMT https://mycoastfire.com/blog/coast-fire-with-rental-income https://mycoastfire.com/blog/coast-fire-with-rental-income Rental income can lower your Coast FIRE number, but only net rent counts. How to model it, cover the mortgage years and plan for taxes. Mon, 21 Sep 2026 00:00:00 GMT https://mycoastfire.com/blog/coast-fire-for-teachers https://mycoastfire.com/blog/coast-fire-for-teachers A teacher pension can cut your Coast FIRE number in half. How to count it, where Social Security fits, and why leaving the classroom early costs so much. Sun, 20 Sep 2026 00:00:00 GMT https://mycoastfire.com/blog/coast-fire-for-nurses https://mycoastfire.com/blog/coast-fire-for-nurses How nurses can reach Coast FIRE: front-load savings with overtime or travel, then drop to PRN or part-time. Real numbers, 403(b) and 457(b) rules for 2026. Sat, 19 Sep 2026 00:00:00 GMT https://mycoastfire.com/blog/coast-fire-for-tech-workers https://mycoastfire.com/blog/coast-fire-for-tech-workers How a tech salary gets you to Coast FIRE in your early 30s, and the traps that push it later: RSUs, ESPP, employer stock, lifestyle creep and layoffs. Fri, 18 Sep 2026 00:00:00 GMT https://mycoastfire.com/barista-fire-calculator https://mycoastfire.com/barista-fire-calculator Free Barista FIRE calculator. See how much you need invested before part-time income can cover the rest of your spending, and when you'll get there. Mon, 14 Sep 2026 00:00:00 GMT https://mycoastfire.com/blog/best-coast-fire-calculators https://mycoastfire.com/blog/best-coast-fire-calculators We checked 8 Coast FIRE calculators, including WalletBurst, NerdWallet and Clark.com: what each one models, where they differ, and who each suits. Mon, 14 Sep 2026 00:00:00 GMT https://mycoastfire.com/coast-fire-calculator-for-couples https://mycoastfire.com/coast-fire-calculator-for-couples Free Coast FIRE calculator for couples. Combine both partners' savings, contributions, ages and Social Security to find your household Coast FIRE number. Mon, 14 Sep 2026 00:00:00 GMT https://mycoastfire.com/coast-fire-calculator-with-social-security https://mycoastfire.com/coast-fire-calculator-with-social-security Free Coast FIRE calculator that counts Social Security and pensions, including the years before benefits start. See how much lower your number gets. Mon, 14 Sep 2026 00:00:00 GMT https://mycoastfire.com/coast-fire-monte-carlo-calculator https://mycoastfire.com/coast-fire-monte-carlo-calculator Test your Coast FIRE plan against 2,000 simulated markets. See the chance you still reach your FIRE number if you stop contributing at a given age. Mon, 14 Sep 2026 00:00:00 GMT https://mycoastfire.com/coast-fire-number-by-age/25 https://mycoastfire.com/coast-fire-number-by-age/25 Your Coast FIRE number at 25, why almost nobody has it yet, and why your employer match and savings rate matter more than your balance this decade. Mon, 14 Sep 2026 00:00:00 GMT https://mycoastfire.com/coast-fire-number-by-age/30 https://mycoastfire.com/coast-fire-number-by-age/30 Your Coast FIRE number at 30, plus what lifestyle creep and a house down payment really cost you, with a worked example of a 30-year-old saver. Mon, 14 Sep 2026 00:00:00 GMT https://mycoastfire.com/coast-fire-number-by-age/35 https://mycoastfire.com/coast-fire-number-by-age/35 Your Coast FIRE number at 35, how childcare years squeeze savings, and why keeping even a small contribution going protects your date. With an example. Mon, 14 Sep 2026 00:00:00 GMT