Coast FIRE number at age 40
At age 40, you'd need about $562,675 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 25 years to 65 and a 4% real return, $562,675 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.
Real return vs outcome
The same question at every rate, so you can use the one you believe.
| Real return | Needed at 40 |
|---|---|
| 2% | $914,296 |
| 3% | $716,408 |
| 4%our default | $562,675 |
| 5% | $442,954 |
| 6% | $349,498 |
Returns are an assumption, not a forecast, and no one earns the same percentage every year. These are nominal figures before inflation and before tax on any gains realised along the way.
Assumptions
- Real return
- 4%
- Years to retirement
- 25 yr
Frequently asked
What's the Coast FIRE number at age 40?
About $562,675, 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.
What if my real return is not 4%?
It changes the number a lot over 25 years. The table on this page runs the same target at 2% through 6% real.
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