Coast FIRE Number by Age — Benchmark Table 25-60
See how your savings compare to age-based benchmarks
Adjust Your Assumptions
Based on retire at 65, 4% withdrawal rate, 3% inflation
Coast FIRE Benchmarks by Age
| Age | Coast FIRE Number | Monthly Savings (10yr) |
|---|---|---|
| 25 | $217,840 | $1,259 /mo |
| 30 | $263,555 | $1,523 /mo |
| 35 | $318,862 | $1,842 /mo |
| 40 | $385,777 | $2,229 /mo |
| 45 | $466,733 | $2,697 /mo |
| 50 | $564,679 | $3,262 /mo |
| 55 | $683,179 | $3,947 /mo |
| 60 | $826,546 | $4,775 /mo |
Monthly savings assumes starting from $0 with the same expected return over 10 years.
Related Calculators
Need a different calculation? Try these:
How Age Affects Your Coast FIRE Number
The earlier you start, the less you need to save
The Power of Compound Interest
Starting at 25 instead of 35 can cut your required savings by more than half. Every year of delay significantly increases your Coast FIRE target.
Cost of Waiting
Wait 5 years
+$45,715
more needed
Wait 10 years
+$101,022
more needed
Wait 15 years
+$167,937
more needed
Coast FIRE Strategies by Age Group
Practical tips for wherever you are on your journey
In Your 20s
Maximize Time
Your biggest advantage is time. Even small, consistent contributions grow substantially. Focus on building good savings habits rather than perfect optimization.
In Your 30s
Balance Growth & Security
You likely have more income but also more expenses. Prioritize tax-advantaged accounts and automate your savings. Balance aggressive saving with enjoying life.
In Your 40s
Accelerate Catch-up
If you're behind, don't panic. Consider catch-up contributions and evaluate lifestyle inflation. You still have 20+ years of compound growth ahead.
In Your 50s
Optimize What You Have
Focus on protecting your gains while continuing to grow. Consider your transition strategy—how you'll shift from accumulation to coasting mode.
Remember: The best time to start was yesterday. The second best time is today.
Frequently Asked Questions
With default assumptions ($40K expenses, 7% return, 4% withdrawal, retire at 65), you'd need about $128,000 at age 30. But your actual number depends on your personal expenses and retirement timeline. Use the interactive table above to calculate your specific benchmark.
Absolutely not. While starting earlier is mathematically advantageous, starting at 40 still gives you 25+ years of compound growth. Many people successfully reach Coast FIRE starting in their 40s. The key is to start now and stay consistent.
The table shows monthly savings needed assuming a 10-year timeline starting from $0. If you already have savings, you'll need less. Use the position finder above to see your gap, then divide by your remaining years to Coast FIRE.
Being behind doesn't mean failure—it's just information. Options include: (1) Increase savings rate, (2) Push retirement date later, (3) Reduce expected retirement expenses, (4) Seek higher returns (with appropriate risk). Many people catch up in their peak earning years.
The calculator uses real returns (after inflation) for Coast FIRE calculations. This gives you targets in today's dollars, making them easier to understand. A 7% nominal return with 3% inflation equals roughly 4% real return.
"It's not that I don't want to work hard—I just want to work hard for myself."
May you reach the shore soon 🌅