Finance Calc Hub
Free calculator

Coast FIRE at 45 (Example)

At 45 with 20 years to go, the required Coast FIRE balance starts sitting much closer to the full retirement number itself — there simply isn't as much runway left for growth alone to cover a large gap. For many people starting Coast FIRE calculations at this age, the more useful lever is often retirement age or contribution rate rather than waiting on growth alone.

The example, in one line

Starting balance of $250,000, 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$247,602, already reached by these savings.Change anything below to make it yours.

Coast FIRE number (today)$247,602to reach $1,000,000 by age 65 on growth alone
You're already coasting
FIRE number
$1,000,000
Projected at 65
$1,009,685
Surplus
$2,398
$0$505k$1.0M048121620Projected balance (growth only)FIRE number

Other starting ages

Related tools

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