Finance Calc Hub
Free calculator

Coast FIRE at 30 (Example)

By 30, most people have a few years of real income behind them and a clearer sense of their career trajectory, which is often when Coast FIRE first gets calculated seriously. With 35 years left to retirement, growth still does most of the heavy lifting, but the required balance to coast is noticeably higher than at 25 — five fewer years of compounding matters.

The example, in one line

Starting balance of $40,000, a 7% expected return,$40,000 in annual retirement spending, and a 4% withdrawal rate, targeting age 65. That puts the Coast FIRE number at$86,910, a gap of $46,910 from these savings.Change anything below to make it yours.

Coast FIRE number (today)$86,910to reach $1,000,000 by age 65 on growth alone
$46,910 short of coasting
FIRE number
$1,000,000
Projected at 65
$460,246
Gap to coast
$46,910
$0$500k$1.0M061218243035Projected balance (growth only)FIRE number

Other starting ages

Related tools

Informational tool only. Not financial advice. See our disclaimer.