THE WALL STREET JOURNAL. Financial Planning Laboratory

Coast FIRE Runway & Pitfall Simulator

Calculating when you can coast on accumulated assets comes with severe hidden hazards. Model your exact compounding glide path, pinpoint the required Coast Age, and pressure-test assumptions against early sequence shocks and healthcare inflation.

Coast FIRE Milestone Age
48
Contributions stop at age 48 to hit target
Projected Final Balance
$1,824,512.42
Nominal nest egg at retirement age
Inflation-Adjusted Purchasing Power
$862,410.15
Expressed in today's constant dollars
Active Pitfall Warnings
3
Critical risks flagged in current runway
Runway Parameters Live Compounding
Current Age 32
20 yrs60 yrs
Target Retirement Age 62
45 yrs75 yrs
Current Portfolio Savings $145,000
$10k$1.0M
Annual Savings Contribution $12,000
$0$100k/yr
Expected Nominal Return 7.0%
3.0%12.0%
Assumed Inflation Rate 2.5%
1.0%8.0%
Target Nest Egg (Nominal) $1,500,000
$500k$5.0M
Simulate WSJ Pitfall Overlays
Retirement Runway Trajectory
Nominal compounding curve vs. inflation-adjusted purchasing power
Nominal Curve
Inflation Adjusted
Nest Egg Target
• Coast Phase: From milestone age onward, portfolio continues compounding with zero added contributions. 14 Coasting Years to Retirement
Wall Street Journal Pitfall Audit
Coasting prematurely exposes future retirees to structural traps often ignored by back-of-the-envelope compounding formulas.
Critical Risk 📉
Sequence of Returns Asymmetry
Once you stop ongoing contributions, the cushion to dollar-cost-average during market downturns vanishes. A bear market within 36 months of coasting can permanently crater expected terminal balances.
Status: Severe exposure without cash buffer
Critical Risk 💸
Inflation Purchasing Drag
At a 2.5% inflation rate over 30 years, every nominal dollar loses over 52% of its real goods-and-services purchasing value. Reaching a nominal $1.5M goal yields just $862,410 in real purchasing power.
Drag: -52.7% real purchasing loss
Critical Risk 🩺
Healthcare & Life-Event Squeeze
Downshifting to low-stress or part-time work often strips employer-subsidized healthcare coverage. Out-of-pocket premiums before Medicare eligibility (age 65) frequently force unexpected early portfolio draws.
Vulnerability Window: 17 years pre-Medicare
Year-by-Year Compound Breakdown
Detailed audit schedule from Current Age through Target Retirement
Gold highlight marks the Coast FIRE crossover year
Age Year Status Annual Addition Investment Growth Nominal Balance Real Balance (Inflation-Adj)

Saved retirement compound arithmetic

Read the explanation

Saved principal one hundred forty-five thousand times seven percent gives ten thousand one hundred fifty annual growth before additions. Bars compare principal and annual growth at point zero zero three pixels per dollar. Constant return is a scenario assumption rather than a guaranteed investment result. At the initial below-coast balance, source applies growth to starting principal and then adds twelve thousand annual savings, yielding one hundred sixty-seven thousand one hundred fifty. Bars compare growth-only balance one hundred fifty-five thousand one hundred fifty and balance after contribution at point zero zero three pixels per dollar. Timing matters; savings do not earn the first year's growth in this recurrence. Saved target sixty-two less current thirty-two gives thirty years. Bars share zero at ten pixels per age year. Coast criterion tests whether accumulated balance times one point zero seven raised to remaining years reaches target one million five hundred thousand; contributions stop when criterion passes. Complete raw schedule/parameters/reset/resize preserved. Inflation and stress scenarios do not validate retirement sufficiency.

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