Coast FIRE Number by Age

Return5%5.5%6%6.5%7%7.5%8%8.5%9%Inflation2%2.5%3%3.5%4%Withdrawal rate3%3.25%3.5%3.75%4%4.25%4.5%4.75%5%Retire at5560656770

Change any of these and the table updates.

Coast FIRE number by age and yearly retirement spending, assuming 7% return, 3% inflation, 4% withdrawal rate and retirement at 65

Your age	Spending $40K/yr	Spending $60K/yr	Spending $80K/yr	Spending $100K/yr
20	$180,055	$270,082	$360,110	$450,137
25	$217,840	$326,760	$435,680	$544,600
30	$263,555	$395,332	$527,109	$658,887
35	$318,862	$478,294	$637,725	$797,156
40	$385,777	$578,665	$771,554	$964,442
45	$466,733	$700,100	$933,467	$1,166,834
50	$564,679	$847,019	$1,129,358	$1,411,698
55	$683,179	$1,024,768	$1,366,358	$1,707,947
60	$826,546	$1,239,820	$1,653,093	$2,066,366

Every number assumes a 7% return, 3% inflation, a 4% withdrawal rate and retirement at 65, all in today’s dollars. They also assume you stop contributing today, which is what a Coast FIRE number means.

Why the number jumps after 45

Every year you wait, your money has one less year to grow, and that lost year compounds too. Between 20 and 30, the target for $60,000 a year goes up by about $125K. Between 50 and 60 it goes up by about $393K. Same ten years, very different price.

It helps to look at it from the other side. Invested at 25, each dollar turns into about $4.59 of today’s money by 65. Invested at 45, it turns into about $2.14. The same $10,000 does more than twice the work in your mid-20s.

Behind for your age?

Don’t read too much into one row of a table. These targets assume you never add another dollar, and almost nobody stops cold.

Take someone who is 40 with $250,000 invested. They’re about $329K short of the $60,000-a-year target, which sounds bad. If they put in $2,500 a month, they cross the line at 54. That’s later than the Coast FIRE crowd likes to talk about, but it still means the last decade before retirement doesn’t need a single contribution. Most people in that spot are in better shape than the table makes them feel. If that’s you, this plan for reaching Coast FIRE shows how much each extra hundred dollars a month moves the date.

Benchmarks at common ages

These are the $60,000-a-year figures from the table, with a little context for each. Each age also has its own page with contribution scenarios: 25, 30, 35, 40, 45, 50 and 55.

At 25: $326,760

Few people have this much at 25, and that’s fine. If you’re even a third of the way there, a few strong saving years can get you across by your early 30s.

At 30: $395,332

This is the age most Coast FIRE conversations revolve around. On a high income with a few aggressive years it’s very doable. On an average income it’s a stretch, and aiming for 35 is more realistic.

At 35: $478,294

The target has grown by about $83K in five years, and it’s now just under a third of the $1.5 million you’d need to stop working entirely.

At 40: $578,665

Past this point the number climbs by more than $20,000 for every year you wait, so contributions in your early 40s carry a lot of weight.

At 45: $700,100

By now, most people who reach Coast FIRE get there through contributions rather than growth. The calculator’s coast age is a better guide than this single number.

At 50: $847,019

Coast FIRE and regular FIRE start to blur here. Your target is more than half of your full FIRE number, and it usually makes more sense to plan for full retirement directly.