Coast FIRE Number by Age
How much you need invested at each age so compounding alone carries you to retirement. Get your number below, then see the full reference grid.
Your Coast FIRE number by age
Based on your inputs above, notice how much less you need the earlier you start:
| If you're this age… | You need invested today | Years to grow |
|---|
Coast FIRE reference grid
The amount you need invested today to coast to different FIRE targets by age 65, assuming a 4% real (after-inflation) return, the same default as the calculator above. Find your age and target lifestyle.
FIRE targets shown assume the 4% rule (spending × 25): $750k ≈ $30k/yr, $1M ≈ $40k/yr, $1.5M ≈ $60k/yr, $2M ≈ $80k/yr.
Why your Coast FIRE number rises with age
Compound growth is exponential, so time is the most powerful input. A dollar invested at 25 has 40 years to grow; at 45 it has only 20. That's why someone at 25 might need only ~$140k to coast to $1M, while someone at 45 needs ~$375k for the same target. The lesson isn't "it's too late", it's that every year earlier dramatically lowers the bar.
Track your number as it grows
The FIRE Planning Toolkit includes a net-worth tracker and by-age Coast FIRE grid you can customise.
See the Toolkit, $20