compoundcoast
Stage 2

Reach FI — hit your number

A financial-independence target is a distribution, not a finish line. These calculators size the number four ways — Coast, Barista, lean/fat, and savings-rate-to-FI — and treat the parts other tools skip: healthcare and the 2026 ACA subsidy cliff, account-location tax drag, and the historical share of start dates that actually made it.

4 calculators real-return bands 2026 ACA cliff
Reach FI

Coast FIRE

Coast number as a real-return band (3/5/7%) with the historical share of start dates that actually coasted.

Reach FI

Barista FIRE

Part-time bridge with a live MAGI-to-ACA-subsidy engine and the 2026 400%-FPL cliff.

Reach FI

FIRE Number (Lean/Fat)

Flavor-specific withdrawal math (lean is more fragile) plus the ACA cliff as a line item.

Reach FI

Savings Rate to FI

Savings rate to years-to-FI, with a fee tornado that prices a 1% drag in extra years.

What makes this stage different

A green check that says "you can coast" is only true in the median case. Each tool here replaces the single-point projection with a real-return band (typically 3/5/7%) and, where relevant, the historical success rate across rolling windows. The FIRE-number math corrects a common formula bug — the present value of future Social Security is subtracted from the portfolio, not added to the numerator — and treats the pre-Medicare healthcare bridge, including the 400%-of-poverty subsidy cliff, as an explicit line item rather than a rounding error.

Around this stage