Coast FIRE is the point where what you've already invested will grow into your full FIRE number by retirement age with no further saving. From there you only need to earn what you spend. See whether you're there, what's left, and at what age you'll get there.
in today’s money
Your Coast FIRE number today
$222,281
grows to $1,000,000 by age 65
Still to go
$162,281
today’s $60,000 alone grows to $269,928
Coast FIRE age
41
saving $20,000 a year until then
Full FIRE number
$1,000,000
$40,000 ÷ 4%, real return 4.39%
Coast FIRE number = FIRE number ÷ (1 + real return)years to retirement. The FIRE number is your retirement spending divided by the withdrawal rate. Dividing by the growth factor gives the amount that, invested today and left alone, compounds into that FIRE number by your retirement age.
The coast line rises every year, because there's a year less to compound. Your Coast FIRE age is the first age at which your portfolio, grown at the real return and topped up with your yearly savings, is at or above the line. All figures are in today's money.
An illustration, not a forecast or investment advice: returns, yields and inflation vary, and taxes and fees are left out. See our methodology and disclaimer.
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