Two-phase Coast FIRE calculator
Model contribution years followed by Coast FIRE years with no new retirement contributions, using transparent real-return assumptions.
At coast start
$484,839
At retirement
$1,286,423
Illustrative shortfall
$213,577
Constant real-return illustration with end-of-year contributions. No taxes, fees, market sequence, contribution changes, or withdrawals.
Why two phases?
Many people do not stop contributions today. They save aggressively for several more years, then reduce contributions while the portfolio compounds. This tool keeps those periods separate.
Compare the result with the standard Coast FIRE calculator and stress-test lower returns before changing savings behavior.