Personal Finance

Coast FIRE

The question this answers: when could you stop contributing entirely and still retire on time, letting compounding do the rest? All values in today's dollars — returns are net of inflation.

$0
FIRE number
$0
Coast number (today)
enough now = done contributing
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Coast date
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Full FIRE date
if contributions continue
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Gap to coast
how much more needed today
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Monthly needed
to coast by retirement
Progress to coast number 0%
What if I contributed an extra $/mo?
→ Enter an amount above
Scenario comparison
Scenario Coast date FIRE date Balance at ret.
Enter your numbers to see scenarios
portfolio coast threshold FIRE number
Coast number today = FIRE number ÷ (1+r)^(years to retirement) — the seed that grows to the target with zero further contributions. A 5% real return ≈ 8% nominal minus 3% inflation; history says 4–6% real is the defensible range for stocks. This is a model, not advice — sequence risk, taxes, and life all apply. Pairs with FIRE Dash. · jonestes.me