Semi-Retirement Calculator – Coast FI, Flamingo FI and FIRE

New and improved for 2022!

Our free Semi-Retirement Calculator includes a Coast FI calculator and a Flamingo FI and FIRE calculator. It helps you calculate

  • Your CURRENT Coast FI numbers for your target and traditional retirement ages
  • Your Coast FI and Coast-to-Target age and net worth numbers
  • Your Flamingo FI number (and your age when you will get there)
  • Your FIRE number (and how old you’ll be when you get there if you keep saving)
  • When you could fully retire (reach FIRE) if you semi-retired and stopped saving right now

You can find out all about Semi-Retirement and the best Semi-FIRE strategies here: Semi-Retirement Explained.

If you haven’t downloaded the calculator yet, you can do so by entering your details here:

How to use the calculator

  1. After clicking on the download link in the email we sent you, you can save your personal copy of the calculator. Important: The calculator doesn’t work on mobile phones, please use it on your laptop/desktop.
  2. Enter your details in the blue fields in the “input fields” section. We’ve added some tips and hints in the description next to each field.
  3. Once you have entered all of your details, you can scroll down to the results section. Here you can see your Coast FI, Flamingo FI and FIRE numbers and ages.

Coast FI, Flamingo FI and FIRE – what do the results mean?

Head over to our Semi-Retirement Guide to learn about semi-retirement and the different Semi-FIRE strategies: The Ultimate Guide to Semi-Retirement.


Should I include my super / 401k in this calculation?

In short: yes. We believe there is no reason not to include your retirement accounts in these calculations unless all of your money is locked away in these accounts. I’ve covered this question in our FIRE FAQ #2 in more detail.

What does “inflation-adjusted return” mean?

That’s your expected investment return after inflation. So if you assume your return will be 8% per year and inflation will be 3% per year, your inflation-adjusted return is 5%.

How high will my investment return be? Which SWR should I use?

I’ve covered these assumptions in our Coast FI article (under the “assumptions” section): Coast FI Explained

Disclaimer: Please keep in mind that we are not financial advisors and do not offer financial advice. Please do not implement any of the information from this calculator or our website without seeking professional financial advice first. This calculator is for informational purposes only and does not take into account your individual personal circumstances. The presented results should not be taken as professional advice or relied upon for making important decisions.