exityear lite
a free and private financial projection tool with a bit more oomph than others
Coast FIRE Horizon Calculator
Determine when your invested savings can compound to full retirement with $0 further contributions.
Parameters
Coast FIRE Retirement Horizon Matrix
The required portfolio balance today to reach full FI at various target exit ages with zero future contributions:
| Exit Age | Years Out | Coast Target | Surplus / (Gap) | Status |
|---|---|---|---|---|
| Age 45 | 15 yrs | $601,271 | ($451,271) | 25% |
| Age 50 | 20 yrs | $471,112 | ($321,112) | 32% |
| Age 55 | 25 yrs | $369,128 | ($219,128) | 41% |
| Age 60 (★ Target) | 30 yrs | $289,222 | ($139,222) | 52% |
| Age 65 | 35 yrs | $226,613 | ($76,613) | 66% |
| Age 70 | 40 yrs | $177,557 | ($27,557) | 84% |
How Coast FIRE Works
Coast FIRE means your existing investments will grow to cover your target annual living expenses by your desired retirement age via compound returns alone. Once achieved, you only need to earn enough to pay your current living expenses — you no longer need to save for retirement.
Boundary constraint: Coast math assumes you never withdraw from principal early and that your real return holds over the entire time horizon.
Illustrative only. Not financial advice. Exityear Lite is a simplified, sunset version of a retired product, kept online as a portfolio showcase. Projections are deterministic estimates based on the assumptions you enter, use a simplified flat tax rate, and omit market volatility and many real-world factors. Some links may be sponsored affiliate recommendations where we earn a commission at no additional cost to you. Do not use it to make financial decisions. Consult a qualified professional.