Coast FIRE Numbers by Age
Reference tables for the question the Coast FIRE calculator answers one input at a time: how much do you need invested, at your age, for growth alone to fund your retirement?
Your coast number is the portfolio that, with no further contributions, compounds to your full FIRE target by retirement age. Every figure on this page comes from the same formula: Coast number = (annual spending ÷ withdrawal rate) ÷ (1 + return)years to retirement.
Coast FIRE number for every age, 20 to 60
Both columns target $50,000 in annual retirement spending at a 4% withdrawal rate, which means a $1,250,000 portfolio at age 65. The 7% column uses the market's rough nominal average. The 5% column is the inflation-adjusted rerun, and the more honest planning figure over long horizons.
| Current age | At 7% (nominal) | At 5% (real) |
|---|---|---|
| 20 | $59,517 | $139,121 |
| 22 | $68,141 | $153,381 |
| 24 | $78,014 | $169,102 |
| 26 | $89,319 | $186,435 |
| 28 | $102,261 | $205,545 |
| 30 | $117,079 | $226,613 |
| 32 | $134,043 | $249,841 |
| 34 | $153,466 | $275,449 |
| 36 | $175,704 | $303,683 |
| 38 | $201,163 | $334,810 |
| 40 | $230,311 | $369,128 |
| 42 | $263,684 | $406,964 |
| 44 | $301,891 | $448,678 |
| 46 | $345,635 | $494,667 |
| 48 | $395,718 | $545,371 |
| 50 | $453,058 | $601,271 |
| 52 | $518,706 | $662,902 |
| 54 | $593,866 | $730,849 |
| 56 | $679,917 | $805,761 |
| 58 | $778,437 | $888,352 |
| 60 | $891,233 | $979,408 |
Spending sensitivity: the number at three ages
The coast number scales in direct proportion to spending, so this table is mostly useful for seeing your own budget on the row. All columns assume 7% nominal return, 4% withdrawal rate, and retirement at 65. Couples usually sit in the $60,000 to $80,000 rows; the couples version of the calculator handles that math on household terms.
| Annual spending | Age 25 | Age 35 | Age 45 |
|---|---|---|---|
| $30,000 | $50,085 | $98,525 | $193,814 |
| $40,000 | $66,780 | $131,367 | $258,419 |
| $50,000 | $83,475 | $164,209 | $323,024 |
| $60,000 | $100,171 | $197,051 | $387,629 |
| $80,000 | $133,561 | $262,734 | $516,838 |
| $100,000 | $166,951 | $328,418 | $646,048 |
Retirement-age sensitivity: coasting to 55, 60, 65 or 70
Pushing the target retirement age out is the cheapest way to shrink a coast number, because every extra year of compounding works on the whole pile. The swing is large: for a 30-year-old, coasting to 70 instead of 55 cuts the required portfolio by nearly two thirds.
| Retire at | Current age 30 | Current age 40 |
|---|---|---|
| 55 | $230,311 | $453,058 |
| 60 | $164,209 | $323,024 |
| 65 | $117,079 | $230,311 |
| 70 | $83,475 | $164,209 |
Methodology
Every cell is computed from Coast number = (annual spending ÷ withdrawal rate) ÷ (1 + return)years to retirement, the same formula the calculators on this site run live. The 4% withdrawal rate is the framework William Bengen established in 1994, later confirmed by the Trinity Study against a century of US market history. Values are rounded to the nearest dollar and verified programmatically against the calculator's own code before publishing. Taxes, fees, and benefits are not modeled. Last reviewed: July 25, 2026.
Citing these tables
Quote or reference any figure freely with a link to this page (firecalculatorhq.com/coast-fire-numbers-by-age/) as the source. The assumptions sit in each table caption, so a citation stays honest without extra work. If you need a spending level or age combination that is not listed, the Coast FIRE calculator computes any scenario with the same formula.
Frequently asked questions
How do I read these tables?
Find your age in the first table. The number next to it is the amount you would need invested today for compound growth alone to reach a $1,250,000 portfolio by age 65, with no further contributions. That target covers $50,000 of annual spending at a 4% withdrawal rate. If your spending or timeline differs, the other two tables show how the number shifts, and the calculator gives your exact figure.
Why are the 5% numbers so much higher than the 7% numbers?
7% is a nominal figure: it includes inflation, so the target you coast toward is measured in future, thinner dollars. 5% is roughly the historical inflation-adjusted return, which keeps the target in today's dollars. The 5% column is the more honest planning number for long horizons; the gap between the columns is the price of that honesty.
What if my spending is different from $50,000?
The coast number scales in direct proportion to spending. Double the spending, double the number. The second table shows computed values for $30,000 to $100,000, and the Coast FIRE calculator handles any figure in between.
Can I cite or republish these numbers?
Yes. The tables are computed from the standard coast formula with the assumptions stated in each caption, and this page is reviewed on a schedule (see the date in the methodology section). Quote freely with a link back to this page as the source.