[{"data":1,"prerenderedAt":71},["ShallowReactive",2],{"guides-articles":3},[4,10,15,21,26,31,36,41,46,51,56,61,66],{"path":5,"title":6,"lede":7,"description":8,"pageType":9},"\u002Fabout","About coastfire.info","A free, inflation-adjusted Coast FIRE calculator from an independent software studio. No accounts, no paywall, no upsell — just the arithmetic, in plain view.","Who builds coastfire.info, why the calculator is free, how the math is derived, and what the tool is — and isn't — meant to do.","page",{"path":11,"title":12,"lede":13,"description":14,"pageType":9},"\u002Fcontact","Contact","Real correspondence — the kind that improves a tool — is read and answered. Here is how to reach the people who build coastfire.info.","How to reach the team behind coastfire.info — bug reports, methodology feedback, corrections, and press or partnership enquiries.",{"path":16,"title":17,"lede":18,"description":19,"pageType":20},"\u002Fcoast-fire-number-by-age","Coast FIRE Number by Age: The Full Table","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.","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.",null,{"path":22,"title":23,"lede":24,"description":25,"pageType":20},"\u002Fcoast-fire-number-by-age\u002Fat-25","Coast FIRE Number at 25: The Smallest Target You Will Ever Have","Twenty-five is the cheat code. Forty years of compounding turns small amounts of capital into something that funds a real retirement — and almost no one running the numbers at this age realizes it.","Coast FIRE at 25 needs roughly $223,000 for a $40,000 retirement. The math, the worked examples, and what it looks like to be a late or early starter at this age.",{"path":27,"title":28,"lede":29,"description":30,"pageType":20},"\u002Fcoast-fire-number-by-age\u002Fat-30","Coast FIRE Number at 30: The Most Common Entry Point","Thirty is the age where FIRE planning usually starts in earnest. The income is real, the student loans are mostly gone, and there is still enough runway for compounding to do most of the work.","Coast FIRE at 30 needs roughly $269,000 for a $40,000 retirement. Why 30 is the typical FIRE starting age, with worked examples for late and early starters.",{"path":32,"title":33,"lede":34,"description":35,"pageType":20},"\u002Fcoast-fire-number-by-age\u002Fat-35","Coast FIRE Number at 35: Where Most People Actually Cross the Line","Thirty-five is when a decade of steady saving usually turns into something visible. Many people cross their Coast FIRE line at this age without noticing — until they run the math and find they no longer need to save.","Coast FIRE at 35 needs roughly $324,000 for a $40,000 retirement. Why 35 is when most disciplined savers first hit the milestone, with worked examples.",{"path":37,"title":38,"lede":39,"description":40,"pageType":20},"\u002Fcoast-fire-number-by-age\u002Fat-40","Coast FIRE Number at 40: The Catching-Up Decade","Forty is the decade where the math still works but the margin shrinks. Twenty-five years is enough runway for compounding to do real work — provided you actually use it.","Coast FIRE at 40 needs roughly $391,000 for a $40,000 retirement. The decade where peak income and a 25-year horizon converge, with worked examples for late and early starters.",{"path":42,"title":43,"lede":44,"description":45,"pageType":20},"\u002Fcoast-fire-number-by-age\u002Fat-45","Coast FIRE Number at 45: Twenty Years of Runway","Forty-five is older than most FIRE blogs imply but younger than most retirement planning suggests. Twenty years is enough runway for compounding to do meaningful work — provided your starting balance is honest about it.","Coast FIRE at 45 needs roughly $471,000 for a $40,000 retirement. Why 45 is still well inside the compounding window, with worked examples for late and early starters.",{"path":47,"title":48,"lede":49,"description":50,"pageType":20},"\u002Fcoast-fire-number-by-age\u002Fat-50","Coast FIRE Number at 50: A Shorter Runway, A Larger Target","Fifty is the last age in this series where Coast FIRE is genuinely a milestone, not a finish line. Fifteen years is short by FIRE-blog standards but long by retirement-industry standards — and compounding still has real work to do.","Coast FIRE at 50 needs roughly $567,000 for a $40,000 retirement. The 15-year horizon makes the target bigger, but the math is still very much in your favor.",{"path":52,"title":53,"lede":54,"description":55,"pageType":20},"\u002Fcoast-fire-for-couples","Coast FIRE for Couples: How to Run the Math Together","Most FIRE calculators model a single person. Real households have two — usually with different incomes, different appetites for risk, and different ideas of what 'enough' means. The math gets richer.","Combined vs individual Coast FIRE numbers, income asymmetry, what happens when one partner coasts first, and a worked example for a dual-income couple.",{"path":57,"title":58,"lede":59,"description":60,"pageType":20},"\u002Fis-7-percent-a-realistic-return-assumption","Is 7% a Realistic Stock Market Return Assumption?","Every FIRE calculator hides an assumption about the future. Seven percent is the polite consensus — and a number worth interrogating before you bet a working life on it.","Where the 7% real-return assumption comes from, what the bears and bulls say about it now, and how to stress-test your FIRE plan against a colder decade.",{"path":62,"title":63,"lede":64,"description":65,"pageType":9},"\u002Fprivacy","Privacy Policy","coastfire.info collects no personal information. Calculator inputs stay in your browser and in the URL. The only third party with any visibility into your visit is Google, through the ads served on this site.","How coastfire.info handles your data: no accounts, no analytics, no personal information collected. Third-party advertising disclosure for Google AdSense.",{"path":67,"title":68,"lede":69,"description":70,"pageType":20},"\u002Fcoast-fire-vs-barista-fire-vs-lean-fire","Coast FIRE vs Barista FIRE vs Lean FIRE: How to Choose","Four flavors of financial independence, one decision: how much do you want to keep working, and what for? A compact field guide with the numbers.","A field guide to the four flavors of financial independence — Lean, Coast, Barista, and Fat — with worked example numbers and a decision tree.",1780334030949]