Coast FIRE number by age
| Age | $40,000 a year | $60,000 a year | $80,000 a year | $100,000 a year |
|---|---|---|---|---|
| Coast FIRE at 20 | $111,297 | $166,945 | $222,593 | $278,241 |
| Coast FIRE at 21 | $116,861 | $175,292 | $233,723 | $292,153 |
| Coast FIRE at 22 | $122,704 | $184,057 | $245,409 | $306,761 |
| Coast FIRE at 23 | $128,840 | $193,259 | $257,679 | $322,099 |
| Coast FIRE at 24 | $135,282 | $202,922 | $270,563 | $338,204 |
| Coast FIRE at 25 | $142,046 | $213,069 | $284,091 | $355,114 |
| Coast FIRE at 26 | $149,148 | $223,722 | $298,296 | $372,870 |
| Coast FIRE at 27 | $156,605 | $234,908 | $313,211 | $391,513 |
| Coast FIRE at 28 | $164,436 | $246,653 | $328,871 | $411,089 |
| Coast FIRE at 29 | $172,657 | $258,986 | $345,315 | $431,644 |
| Coast FIRE at 30 | $181,290 | $271,935 | $362,581 | $453,226 |
| Coast FIRE at 31 | $190,355 | $285,532 | $380,710 | $475,887 |
| Coast FIRE at 32 | $199,873 | $299,809 | $399,745 | $499,681 |
| Coast FIRE at 33 | $209,866 | $314,799 | $419,732 | $524,665 |
| Coast FIRE at 34 | $220,359 | $330,539 | $440,719 | $550,899 |
| Coast FIRE at 35 | $231,377 | $347,066 | $462,755 | $578,444 |
| Coast FIRE at 36 | $242,946 | $364,419 | $485,893 | $607,366 |
| Coast FIRE at 37 | $255,094 | $382,640 | $510,187 | $637,734 |
| Coast FIRE at 38 | $267,848 | $401,772 | $535,697 | $669,621 |
| Coast FIRE at 39 | $281,241 | $421,861 | $562,481 | $703,102 |
| Coast FIRE at 40 | $295,303 | $442,954 | $590,606 | $738,257 |
| Coast FIRE at 41 | $310,068 | $465,102 | $620,136 | $775,170 |
| Coast FIRE at 42 | $325,571 | $488,357 | $651,143 | $813,928 |
| Coast FIRE at 43 | $341,850 | $512,775 | $683,700 | $854,625 |
| Coast FIRE at 44 | $358,942 | $538,414 | $717,885 | $897,356 |
| Coast FIRE at 45 | $376,889 | $565,334 | $753,779 | $942,224 |
| Coast FIRE at 46 | $395,734 | $593,601 | $791,468 | $989,335 |
| Coast FIRE at 47 | $415,521 | $623,281 | $831,041 | $1,038,802 |
| Coast FIRE at 48 | $436,297 | $654,445 | $872,593 | $1,090,742 |
| Coast FIRE at 49 | $458,112 | $687,167 | $916,223 | $1,145,279 |
| Coast FIRE at 50 | $481,017 | $721,526 | $962,034 | $1,202,543 |
How it is worked out
The target is the yearly spending divided by the withdrawal rate: $60,000 at 4% is $1,500,000. The Coast FIRE number is that target discounted back to today at the real return, the return after inflation, so every figure is in today’s dollars. It is the Coast FIRE calculator’s own math on its defaults: a 4% withdrawal and a 5% real return, about a 7% stock-heavy return less 2% inflation. Social Security or a pension lowers the target; enter them in the calculator.