Coast FIRE by Age 35: How Much Do You Need to Save?
Coast FIRE is the liberating financial milestone where you have accumulated enough money in retirement and investment accounts at an early age that, without contributing another penny, compound interest alone will grow your portfolio to fully cover your retirement at age 65.
Once you hit Coast FIRE, your required savings rate drops to 0%. You only need to earn enough to pay for your everyday living expenses today, freeing you to pursue passion projects, take a lower-stress job, or travel.
Try adjusting parameters on the full standalone calculator:
Open Interactive Coast Tool →Why Coast FIRE is Revolutionizing Careers
Reaching Coast FIRE eliminates the chronic anxiety of the corporate rat race. A 35-year-old with ~$200,000 in broad index funds has essentially guaranteed a multi-million-dollar traditional retirement without making another contribution.