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
—
Coast date
—
Full FIRE date
if contributions continue
—
Gap to coast
how much more needed today
—
Monthly needed
to coast by retirement
Progress to coast number0%
What if I contributed an extra $/mo?
→Enter an amount above
portfoliocoast thresholdFIRE 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