Coast FIRE: $500K Saved, Retire at 65
With $500K saved at age 30 and a target retirement age of 65, your Coast FIRE number is $263,555. Since your savings of $500K exceed this target by $236,445, you've already reached Coast FIRE. Your investments will grow to $1,000,000 by age 65 through compound returns alone, without any additional contributions.
Personal Details
Finances
Assumptions
Coast FIRE Number
$263,555
How much you need saved today so compound growth finishes the job
Coast Status
You can coast NOW! Stop saving and let compound growth do the rest.
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 $500K already saved, you've surpassed your Coast FIRE number and can stop contributing to retirement accounts. Any work income can go entirely toward current living expenses or enjoyment.
Frequently Asked Questions
What is the Coast FIRE number with $500K saved?
Can I stop saving for retirement with $500K?
How does retiring at 65 affect my Coast FIRE number?
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