Coast FIRE: $40k Expenses, Age 35, $100k Saved, Retire at 65
Calculate the Coast FIRE number for $40,000 annual retirement expenses, starting at age 35 with $100,000 saved and targeting retirement at 65.
How to use this tool
- Enter your expected annual retirement spending in today's dollars.
- Set your safe withdrawal rate (4% is the standard 25× rule).
- Enter your current age and your target retirement age.
- Add your current invested assets and an expected real (after-inflation) return.
- Read your Coast FIRE number and whether your current savings already cover it.
Find your Coast FIRE number if you spend $40,000 per year in retirement, are currently 35 years old with $100,000 invested, and plan to retire at 65.
Frequently asked questions
- What is Coast FIRE?
- Coast FIRE is the amount you need invested today so that, with no further contributions, normal market growth reaches your full FIRE number by retirement age. Once you hit it, you only need to cover current expenses.
- How is the Coast FIRE number calculated?
- Take your full FIRE number (annual expenses ÷ withdrawal rate) and discount it back to today over the years until retirement using your expected real return: FIRE ÷ (1 + r)^n.
- What return should I use?
- Use a real, after-inflation return so your answer stays in today's dollars. A diversified stock portfolio has historically returned roughly 7% real; use a lower figure to be conservative.
- Does this include future contributions?
- No. Coast FIRE is specifically the point where no further contributions are required. The projection assumes you stop contributing and let the portfolio grow.