[{"data":1,"prerenderedAt":454},["ShallowReactive",2],{"content:\u002Fcoast-fire-number-by-age":3},{"id":4,"title":5,"author":6,"body":7,"dateModified":442,"datePublished":443,"description":444,"extension":445,"lede":446,"meta":447,"navigation":448,"overline":449,"path":450,"seo":451,"stem":452,"__hash__":453},"content\u002Fcoast-fire-number-by-age.md","Coast FIRE Number by Age: The Full Table","coastfire.info",{"type":8,"value":9,"toc":433},"minimark",[10,26,29,34,43,72,84,87,93,97,104,257,260,266,280,286,290,297,329,340,344,347,391,395,402,408,414,420,427],[11,12,13,14,18,19,22,23,25],"p",{},"The Coast FIRE number — the portfolio size that grows on its own into your retirement target — changes with every birthday and every adjustment to your expected spending. There is no single \"Coast FIRE number.\" There is one for ",[15,16,17],"em",{},"you",", at ",[15,20,21],{},"your"," age, against ",[15,24,21],{}," target.",[11,27,28],{},"This page gives you the full table: six ages, four spending levels, twenty-four cells. Each cell tells you the minimum portfolio you need today to coast — meaning, to stop contributing and still arrive at the FIRE number by 65.",[30,31,33],"h2",{"id":32},"the-assumptions-in-one-place","The assumptions in one place",[11,35,36,37,42],{},"Every cell in the table below uses the same four assumptions. If you want different ones, run ",[38,39,41],"a",{"href":40},"\u002F","the calculator"," and override them.",[44,45,46,54,60,66],"ul",{},[47,48,49,53],"li",{},[50,51,52],"strong",{},"Retirement age",": 65",[47,55,56,59],{},[50,57,58],{},"Nominal growth",": 7% per year (the FIRE consensus)",[47,61,62,65],{},[50,63,64],{},"Inflation",": 3% per year (long-run US average)",[47,67,68,71],{},[50,69,70],{},"Fees",": 0.1% per year (Vanguard-level expense ratios)",[11,73,74,75,78,79,83],{},"Those translate to a ",[50,76,77],{},"real return of roughly 3.8% per year"," — lower than the often-cited \"7% real\" because the calculator nets out inflation and fees explicitly. We think this is the more honest framing; see ",[38,80,82],{"href":81},"\u002Fis-7-percent-a-realistic-return-assumption","Is 7% a Realistic Return Assumption?"," for why.",[11,85,86],{},"The FIRE number itself is the classic 4% rule: annual spending × 25. The Coast FIRE number is then that target discounted back to today by the real return for the years remaining until 65.",[11,88,89],{},[90,91,92],"code",{},"coast_fire_number(age) = (annual_spending × 25) ÷ (1 + 0.038)^(65 − age)",[30,94,96],{"id":95},"the-table","The table",[11,98,99,100,103],{},"Each cell is the portfolio size you need ",[15,101,102],{},"today"," — not contributing another dollar — to land at the corresponding FIRE number by 65.",[105,106,107,139],"table",{},[108,109,110],"thead",{},[111,112,113,119,124,129,134],"tr",{},[114,115,116],"th",{},[50,117,118],{},"Age",[114,120,121],{},[50,122,123],{},"$40k\u002Fyr spending",[114,125,126],{},[50,127,128],{},"$60k\u002Fyr",[114,130,131],{},[50,132,133],{},"$80k\u002Fyr",[114,135,136],{},[50,137,138],{},"$100k\u002Fyr",[140,141,142,162,181,200,219,238],"tbody",{},[111,143,144,150,153,156,159],{},[145,146,147],"td",{},[50,148,149],{},"25",[145,151,152],{},"$223,000",[145,154,155],{},"$335,000",[145,157,158],{},"$447,000",[145,160,161],{},"$558,000",[111,163,164,169,172,175,178],{},[145,165,166],{},[50,167,168],{},"30",[145,170,171],{},"$269,000",[145,173,174],{},"$404,000",[145,176,177],{},"$539,000",[145,179,180],{},"$673,000",[111,182,183,188,191,194,197],{},[145,184,185],{},[50,186,187],{},"35",[145,189,190],{},"$324,000",[145,192,193],{},"$486,000",[145,195,196],{},"$649,000",[145,198,199],{},"$811,000",[111,201,202,207,210,213,216],{},[145,203,204],{},[50,205,206],{},"40",[145,208,209],{},"$391,000",[145,211,212],{},"$586,000",[145,214,215],{},"$782,000",[145,217,218],{},"$977,000",[111,220,221,226,229,232,235],{},[145,222,223],{},[50,224,225],{},"45",[145,227,228],{},"$471,000",[145,230,231],{},"$707,000",[145,233,234],{},"$943,000",[145,236,237],{},"$1,178,000",[111,239,240,245,248,251,254],{},[145,241,242],{},[50,243,244],{},"50",[145,246,247],{},"$567,000",[145,249,250],{},"$851,000",[145,252,253],{},"$1,135,000",[145,255,256],{},"$1,419,000",[11,258,259],{},"Three things to notice.",[11,261,262,265],{},[50,263,264],{},"The numbers climb steeply with age."," From 25 to 50, the same $40k retirement target requires roughly 2.5× more capital — because there are 25 fewer years for compounding to work. Each decade you delay starting is roughly a 50% larger Coast FIRE target.",[11,267,268,271,272,275,276,279],{},[50,269,270],{},"The numbers scale linearly with spending."," Doubling your annual spending exactly doubles your Coast FIRE number at any age. This is intuitive but worth saying: the 4% rule is a multiplier, so all the ",[15,273,274],{},"time math"," lives in the columns and all the ",[15,277,278],{},"lifestyle math"," lives in the rows.",[11,281,282,285],{},[50,283,284],{},"The early ages are surprisingly forgiving."," A 25-year-old needs only $223,000 to coast toward a $40k retirement. That is achievable on a normal salary in about five to seven years of focused saving — meaning many 25-year-olds will hit Coast FIRE in their early thirties without realizing it.",[30,287,289],{"id":288},"what-this-number-does-and-doesnt-include","What this number does and doesn't include",[11,291,292,293,296],{},"The Coast FIRE number is the ",[15,294,295],{},"minimum"," portfolio that funds a retirement at your target age, assuming you stop saving today and never restart. It explicitly does not include:",[44,298,299,305,311,317,323],{},[47,300,301,304],{},[50,302,303],{},"Continued contributions."," If you keep saving, your actual retirement portfolio will be larger.",[47,306,307,310],{},[50,308,309],{},"Social Security."," A meaningful contribution for most US workers, completely absent from this number.",[47,312,313,316],{},[50,314,315],{},"Pensions, rental income, or part-time work in retirement."," All of which can substitute for portfolio drawdowns.",[47,318,319,322],{},[50,320,321],{},"Healthcare costs in retirement."," Especially relevant for retiring before Medicare eligibility at 65.",[47,324,325,328],{},[50,326,327],{},"Taxes on withdrawals."," The 4% rule treats withdrawals as gross income; your spendable amount is lower.",[11,330,331,332,335,336,339],{},"Coast FIRE is best understood as a ",[15,333,334],{},"milestone",", not a ",[15,337,338],{},"plan",". Hitting it means saving is now optional. It does not mean you have accounted for every line item in retirement.",[30,341,343],{"id":342},"drill-into-your-age","Drill into your age",[11,345,346],{},"Each sub-page below works through one specific age with concrete examples, a \"late starter\" scenario, an \"early starter\" scenario, and a direct link to the calculator pre-filled with that age.",[44,348,349,356,363,370,377,384],{},[47,350,351,355],{},[38,352,354],{"href":353},"\u002Fcoast-fire-number-by-age\u002Fat-25","Coast FIRE at 25"," — the smallest target, the biggest compounding advantage",[47,357,358,362],{},[38,359,361],{"href":360},"\u002Fcoast-fire-number-by-age\u002Fat-30","Coast FIRE at 30"," — the most common entry point for FIRE planners",[47,364,365,369],{},[38,366,368],{"href":367},"\u002Fcoast-fire-number-by-age\u002Fat-35","Coast FIRE at 35"," — where many people first cross the line",[47,371,372,376],{},[38,373,375],{"href":374},"\u002Fcoast-fire-number-by-age\u002Fat-40","Coast FIRE at 40"," — the catching-up decade",[47,378,379,383],{},[38,380,382],{"href":381},"\u002Fcoast-fire-number-by-age\u002Fat-45","Coast FIRE at 45"," — twenty years of runway remaining",[47,385,386,390],{},[38,387,389],{"href":388},"\u002Fcoast-fire-number-by-age\u002Fat-50","Coast FIRE at 50"," — short horizon, larger target, still very doable",[30,392,394],{"id":393},"a-note-on-what-to-do-with-these-numbers","A note on what to do with these numbers",[11,396,397,398,401],{},"A Coast FIRE table is most useful as a ",[15,399,400],{},"waypoint check",". Pick the row matching your age, scan the column matching your spending, and compare to your portfolio. You are either above the line, near the line, or below it.",[11,403,404,407],{},[50,405,406],{},"Above the line."," Compound growth, by itself, is now enough to hit your retirement target. You can stop contributing, take a lower-paying job, or simply enjoy your full income — and still arrive on time. Many people choose to continue some saving anyway, as insurance against the next decade being colder than average.",[11,409,410,413],{},[50,411,412],{},"Near the line."," A focused stretch of saving will push you over. The natural play is to keep your current savings rate for one or two more years, then revisit.",[11,415,416,419],{},[50,417,418],{},"Below the line."," You are saving toward your Coast FIRE number, not yet past it. The single most useful action is to estimate how many years of your current contribution rate it will take — the calculator does this automatically. From there, you can decide whether to accelerate, accept the timeline, or revise the retirement age.",[11,421,422,423,426],{},"Whatever the row says, the ",[15,424,425],{},"direction"," of the number is more important than the precise value. Coast FIRE is a planning aid. Inflation will surprise you, returns will surprise you, and your spending will change. The point of the number is to know roughly where you stand and to act accordingly — not to plan your life around four significant figures.",[11,428,429,430,432],{},"Run your scenario in ",[38,431,41],{"href":40}," and the chart will show exactly where you cross the line.",{"title":434,"searchDepth":435,"depth":435,"links":436},"",2,[437,438,439,440,441],{"id":32,"depth":435,"text":33},{"id":95,"depth":435,"text":96},{"id":288,"depth":435,"text":289},{"id":342,"depth":435,"text":343},{"id":393,"depth":435,"text":394},null,"2026-05-13","Your Coast FIRE number at every age from 25 to 50, across four annual spending levels — with the methodology, assumptions, and a direct link to run your own scenario.","md","The Coast FIRE number is a moving target. Younger means smaller. Higher spending means larger. Here is the full table — and what each cell actually means.",{},true,"Reference · Nº 04","\u002Fcoast-fire-number-by-age",{"title":5,"description":444},"coast-fire-number-by-age","BICKvn1_fLUwxpqTDC7zEHax5kXZ-dz5O0y_jIJwIG8",1778462728918]