Coast FI & FIRE drawdown calculator
Most retirement calculators stop at the number you need to hit. This one keeps going: enter what you have today, and watch one continuous chart show your portfolio compounding through your working years, then spending down — every year, from today through age 100 — instantly, with no login and no email wall.
Growth compounds monthly while you contribute and annually once you're drawing it down. Spending is withdrawn at the start of each retirement year.
At $180K a year, the portfolio you retire with keeps growing instead of running down.
Logarithmic scale — the balance spans seven figures to eight, so equal steps up the axis mean equal proportional growth.
Adjust the numbers on the left to see your own trajectory.
Real (today's) dollars — no additional inflation adjustment needed on top of this.
| Age | Balance | That year's spend | Withdrawal rate | Cumulative withdrawn |
|---|