Coast FIRE: $100K Saved, Retire at 65
With $100K saved at age 30 and a target retirement age of 65, your Coast FIRE number is $263,555. You're $163,555 short of your Coast FIRE target. With additional savings of $10,000/year, you could reach your Coast FIRE number in approximately 10 years, after which your investments would grow to $1,000,000 on their own by age 65.
Personal Details
Finances
Assumptions
Coast FIRE Number
$263,555
How much you need saved today so compound growth finishes the job
Coast Status
100+ more years of saving needed
Summary
What This Means
Coast FIRE means having enough invested that compound growth alone will bring your portfolio to your full FIRE number by your target retirement age, without any additional contributions. Your full FIRE number is $1,000,000, calculated as 25x your $40,000 annual expenses using the 4% safe withdrawal rate. To find your Coast FIRE number, we discount $1,000,000 back 35 years at a 3.9% real return (7% nominal minus 3% inflation), giving $263,555. With $100K saved, you're $163,555 short. Continuing to save $10K/year would close the gap in roughly 10 years, after which you could stop all retirement contributions.
Frequently Asked Questions
What is the Coast FIRE number with $100K saved?
Can I stop saving for retirement with $100K?
How does retiring at 65 affect my Coast FIRE number?
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