Coast FIRE Calculator for Digital Nomads
Calculate your Coast FIRE number instantly with pre-filled defaults for low-cost geo-arbitrage, flexible income, and long-term compounding. No login required.
Digital nomad life is freedom—until your finances feel like a moving target. Income can swing with client work, time zones, and contracts. Spending changes every time you cross a border. And when you’re optimizing for flexibility, it’s hard to answer the most important question: “Can I stop grinding and still end up financially independent?” Coast FIRE is designed for exactly this moment. Instead of saving aggressively forever, you build a strong invested base early, then let compounding do the heavy lifting while you simply cover today’s living costs. If you’re living in lower-cost regions (think ~$2,000/month) and investing consistently, Coast FIRE can turn travel freedom into long-term security—without requiring a permanent return to a high-stress job. Use this calculator to plug in your age, your current invested assets, and your lean spending target, then see how much you need invested today to coast to a comfortable retirement by your chosen age. Adjust the assumptions as your route, lifestyle, and risk tolerance evolve.
Need More Precision?
This calculator is great for a quick check, but real life is more complex. If you want to track your net worth, manage multiple currencies, and simulate detailed retirement scenarios with changing variables over time, try our dedicated app.
Download Asset Prism for FreeFrequently Asked Questions
Why is Coast FIRE a good fit for digital nomads?
Because it separates “saving” from “earning.” Once you’ve built a solid invested base, you can downshift to lower-pressure work (or seasonal work) and still let compound growth carry you toward retirement.
What monthly spending should I start with as a digital nomad?
A common low-cost baseline is ~$2,000/month in many regions, but your number depends on housing, travel pace, insurance, and visa runs. Start conservative and update as your last 3–6 months of spending stabilizes.
I earn in multiple currencies. What currency should I use?
Pick one “home” currency (often USD) for your plan. Use conservative exchange rates and keep a buffer for FX swings—especially if your expenses and income are in different currencies.
What return and inflation assumptions are reasonable?
Many planners use ~7% nominal growth and ~3% inflation (about ~4% real). If your plan depends on aggressive returns, consider lowering growth or using a more conservative withdrawal rate.