Coast FIRE Calculator for Europe
Find the amount that compounds to financial independence on its own — and the age at which you can stop saving entirely. With the European capital gains taxes that US Coast FIRE calculators ignore.
Your numbers
Italy: 26% imposta sostitutiva on financial capital gains (12.5% on Italian government bonds, not modeled). Official source · Tax presets last verified 2026-07-29.
Coast FIRE at age 67
€172,869
Amount needed today so compounding alone reaches your FIRE number (~€1,015,572) by age 67.
You're 29% of the way to coasting.
When can you stop saving?
44.2
At age 44.2 you can stop contributing entirely and still retire on schedule.
Your FIRE number
€1,014,232
Full financial independence — work fully optional — arrives at age 60.1.
Your millionaire timeline
At this savings rate you reach €1,000,000 at age 54.3 (24y 4m from now). Explore the full projection →
Coast FIRE: the most underrated milestone in personal finance
Full financial independence can feel decades away. Coast FIRE reframes the problem: instead of asking "when can I stop working?", it asks "when does my portfolio stop needing me?". Once your investments will compound to your FIRE number by traditional retirement age on their own, every career decision changes — you can switch to part-time, take the lower-paying job you love, or start a business, needing only to cover your monthly costs.
The math: Coast number today = FIRE number ÷ (1 + real return)years to retirement. Your FIRE number is your gross annual spending divided by your withdrawal rate — grossed up for your country's capital gains tax, which is where the European presets matter.
Worked example: Marco, 30, in Milan wants €30,000/year net from age 67. With Italy's 26% imposta sostitutiva and a 3.5% withdrawal rate his target is ≈€1.02M; discounted back 37 years at a ~4.9% real return, his Coast number today is ≈€173,000. With €50,000 saved he's about 29% of the way — and investing €1,000/month, he crosses the coast threshold around age 45, twenty-two years before retirement. Compare that with waiting for full FIRE at 55: coast arrives a decade earlier. Want the full-FI date instead? Use the FIRE calculator for Europe.
Frequently asked questions
What is Coast FIRE, in one sentence?
Coast FIRE is the point where your existing investments will grow to your full financial-independence number by traditional retirement age without you saving another euro — from there you only need to earn your monthly living costs.
How is Coast FIRE different from regular FIRE?
FIRE means your portfolio pays for your life right now. Coast FIRE means your portfolio will get there by retirement age on its own. The Coast target is therefore much smaller and arrives much earlier — often decades before full FIRE — which makes it the most motivating milestone for people in their 20s and 30s.
Why does the European version need tax presets?
Because your FIRE target — the number you're coasting toward — must be grossed up for your country's tax on investment gains when you eventually withdraw: 26% in Italy, 26.375% in Germany, 31.4% in France. A Coast number computed from a US calculator is aiming at too small a target.
What does 'when can you stop saving' mean exactly?
Keep investing at your current monthly rate, and each month your portfolio grows while the required coast threshold shrinks (less time to retirement means less compounding runway, but you're closer). The calculator finds the month the two lines cross — after that, contributions become optional.
Is my data stored anywhere?
Everything runs in your browser. Your inputs are saved only to your device's local storage and are never sent to us.
Disclaimer: this calculator is an educational tool, not financial or tax advice. Tax presets are simplified and sourced on the FIRE calculator page; for probability-based outcomes try the Monte Carlo simulator. Spotted an outdated rate?[email protected] — we verify and fix.