Coast FIRE number at age 35
At age 35, you'd need about $462,478 invested to Coast FIRE. That's enough that, without adding another dollar, it grows to your $1,500,000 target by 65 (retiring on $60,000/year).
Coast FIRE means you've invested enough that compounding alone carries you to your retirement target. You still cover current expenses, but you no longer save for retirement. With 30 years to 65 and a 4% real return, $462,478 now reaches the $1,500,000 target.
The younger you are, the smaller the Coast number, because compounding has longer to work. This uses a real, inflation-adjusted return, so the target stays in present-day dollars.
Assumptions
- Real return
- 4%
- Years to retirement
- 30 yr
Frequently asked
What's the Coast FIRE number at age 35?
About $462,478, assuming retirement at 65 on $60,000/year and a 4% real return.
What is Coast FIRE?
The point where your invested savings will grow to your retirement target on their own, so you only need to cover current living costs going forward.
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