The multi-currency Coast FIRE calculator for expats
Find your Coast FI and Full FI numbers across every currency you live in, and the age your money keeps growing without you. No spreadsheets, no signup.
What is Coast FIRE?
Coast FIRE is the moment your invested money is big enough to grow into a full retirement on its own. Once you hit your Coast FI number, you no longer have to save aggressively: you just cover today’s costs and let compounding carry you to retirement. This calculator finds that number, and the age you reach it, using returns and inflation you can see and edit.
How the calculator works
Add what you have
Enter your invested balances across platforms and currencies. Everything converts to your home currency, live.
Set your assumptions
Your age, target retirement age, expected return and inflation: transparent and editable, never hidden.
See your numbers
Your Coast FI number, Full FI number, and the age your money can keep growing on its own.
Why a multi-currency calculator?
Most Coast FIRE calculators assume one currency. If you earn in one country and invest in another, or plan to retire abroad, that assumption gives you the wrong number. RightPlano converts every holding to your home currency, so your Coast FI number reflects money that lives across borders.
Coast FIRE calculator: questions
What is Coast FIRE?
Coast FIRE is the point where your invested money is large enough to grow into a full retirement on its own, so you no longer need to save aggressively, you just cover your living costs and let compounding do the rest. The calculator finds your Coast FI number and the age you reach it.
What's the difference between Coast FI and Full FI?
Coast FI is when your current investments will grow into your retirement target by your retirement age without further contributions. Full FI is when you have enough to retire right now. The calculator shows both.
Does the calculator handle multiple currencies?
Yes, that's what makes it built for expats. Add holdings in any currency and they're converted to your home currency, so your Coast FIRE numbers reflect money spread across countries.
Is the calculator free? Do I need to sign up?
It's free and runs entirely in your browser, no signup required. Create an account only when you want to save your plan and sync it across devices.
Is this financial advice?
No. The calculator shows what your own numbers and assumptions project. It's descriptive planning, not investment advice.