Focused planning tool

When can I stop contributing and coast?

Estimate the first age when your existing portfolio can grow to your FIRE target by a chosen retirement age, with no contributions after your Coast date.

How this estimate works

The target is retirement spending minus ongoing income, divided by the withdrawal rate. The engine checks each month for the earliest point when you could stop contributing and projected real growth would reach that target at your selected age.

Fictional example: The prefilled values describe a 35-year-old with $150,000 invested. Replace every value with your own assumptions; the currency changes labels, not exchange rates.

Limitations

This fixed-return projection is educational. It does not model taxes, investment fees, local pension rules, or uncertain market sequences. Results are in today's money. Use the full calculator for events and historical or Monte Carlo stress tests.