Coast FIRE: $300K Saved, Retire at 55
With $300K saved at age 30 and a target retirement age of 55, your Coast FIRE number is $385,777. You're $85,777 short of your Coast FIRE target. With additional savings of $10,000/year, you could reach your Coast FIRE number in approximately 4 years, after which your investments would grow to $1,000,000 on their own by age 55.
Personal Details
Finances
Assumptions
Coast FIRE Number
$385,777
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 25 years at a 3.9% real return (7% nominal minus 3% inflation), giving $385,777. With $300K saved, you're $85,777 short. Continuing to save $10K/year would close the gap in roughly 4 years, after which you could stop all retirement contributions.
Frequently Asked Questions
What is the Coast FIRE number with $300K saved?
Can I stop saving for retirement with $300K?
How does retiring at 55 affect my Coast FIRE number?
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