Hi Product Hunt 👋 I'm Chuck, the maker of Freedom Calcs. The question that started this: how much do you need invested today so that growth — not new contributions — carries you to retirement? Most Coast FIRE tools hand you one number. I wanted one that shows its reasoning. What it does: • Works backward from your retirement spending, withdrawal rate, return and inflation to a Coast target in today's dollars — then tells you the age your current contributions actually get you there. • Compares three contribution paths side by side at the same assumptions (keep contributing / contribute half / stop now). "What if I stop?" stops being a mystery — and yes, it will honestly tell you "not reached before retirement." • Shows how much one percentage point of return moves the number (6% / 7% / 8%). • Every assumption is editable, and there's a full age-by-age projection table you can inspect instead of trusting a black box. What it is not: it won't tell you to stop working. No Social Security, taxes, fees, debt or market volatility — and the page says so out loud. Coast FIRE is a milestone, not a retirement plan. No signup, no email. Your inputs stay in your browser memory — nothing is uploaded, saved, or put in the URL. The method is public: the formulas, the sources (Bengen's 1994 work, Cooley-Hubbard-Walz 1998, FRED on real returns) and a worked example you can reproduce by hand → freedomcalcs.com/methodology Four sibling calculators — Barista, Fat, Lean FIRE and FIRE Number — build on the same model. Two things I'd genuinely like to know: 1) Which assumption do you fight with more, the return or the withdrawal rate? 2) If you've used another Coast FIRE calculator, where did the numbers disagree with mine? That second one is the feedback I want most — "half the calculators say I'm there, half say I'm not" is exactly the gap I built this for. Thanks for looking 🙏

Freedom Calcs

Use our free Coast FIRE calculator to estimate your target

Use our free Coast FIRE calculator to estimate your target