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Coast FIRE Calculator
x402
Coast FIRE Calculator is a paid API for AI agents from x402.outpimp.com, paid per call via x402, $0.01/call, status unknown (last checked 2026-09-15).
Computes the coast FIRE lump sum needed today to reach your retirement number by a target age, plus a year-by-year projection of when your savings trajectory crosses that threshold given ongoing contributions.
Price / call$0.01
Success—
StatusUnknown
How this service works
Coast FIRE calculator. Computes the lump sum needed today, invested with zero further contributions, to grow into your full retirement number by your target retirement age, plus (given an ongoing monthly contribution) a year-by-year projection of when your actual trajectory crosses that lump sum.
Output
Returns the coast FIRE lump sum required today (the amount that, invested with no further contributions, grows to fully fund retirement by the target age), and a year-by-year table showing projected net worth alongside the coast FIRE threshold, indicating the crossover year when ongoing contributions make further saving optional.
Example use cases
Early retirement readiness check
“I'm 32 with $180,000 invested, want to retire at 60 living on $60,000 a year, and I'm putting in $2,000 a month — what's my coast FIRE number and how many years until I can stop contributing entirely?”
Zero-contribution coast FIRE check
“I'm 45 years old, have $500,000 in investments, and want to retire at 67 spending $90,000 a year — assuming I make no more contributions, will my current savings coast to my retirement number on its own?”
Retirement spending target planning
“I'm 29 with $80,000 saved and contributing $1,000 a month — I want to retire at 65. What annual retirement spending can I target, and when does my savings trajectory cross the coast FIRE threshold if I assume a 7% return and 3% inflation?”
Technical details
Endpoint
POSThttps://x402.outpimp.com/coastFireCalculatorWhen to prefer
Choose this endpoint when you need to determine the specific lump sum required today to 'coast' to retirement without further contributions, or want a year-by-year timeline of when ongoing savings cross that coast FIRE threshold. Ideal for FIRE-planning agents, personal finance assistants, or retirement readiness dashboards. Prefer this over generic compound-interest calculators when the user's goal is specifically the coast FIRE strategy — combining a target retirement spending figure with a safe withdrawal rate to derive the required nest egg and working backwards to today's required balance.
Side effects
- Missing required fields (currentAge, currentNetWorth, retirementAnnualSpending) return validation errors
- Unrealistic input values (e.g. retirementAge less than currentAge) may produce nonsensical output
- Very high investment return rates or very long time horizons may produce extreme projections
- Payment failure (x402 protocol) if USDC balance is insufficient
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| swr | number | Safe withdrawal rate, as a fraction. Default 0.04. |
| currentAge | number | Your current age in years. |
| inflationRate | number | Expected annual inflation rate, as a fraction. Default 0.03. |
| retirementAge | number | Target traditional retirement age. Default 67. |
| currentNetWorth | number | Current invested net worth. |
| monthlyContribution | number | Ongoing monthly contribution toward currentNetWorth. Default 0. |
| investmentReturnRate | number | Expected annual investment return, as a fraction. Default 0.07. |
| retirementAnnualSpending | number | Expected annual spending in retirement. |
Tags
x402
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