Coast FIRE Calculator: When Can You Stop New Contributions?
2026-02-07
Educational content only. Rules and tax laws change over time; verify official sources.
Coast FIRE means you accumulate enough now that compounding can carry you to retirement without new contributions later.
Core Math
Required current portfolio = Future FIRE number / (1 + return rate) ^ years to retirement.
Where Coast FIRE Goes Wrong
- Overestimating long-term return assumptions
- Ignoring inflation and sequence risk
- Assuming spending never drifts upward
Practical Strategy
- Set your FIRE number with Retirement Number
- Test optimistic, base, and conservative return scenarios
- Keep a small contribution even after "coast" for margin
Related Reads
See FIRE for normal people and withdrawal rate guide.
Educational Disclaimer
This content is for educational modeling only and is not personalized financial advice.
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