How much do you need to Coast FIRE at 40?

About $579,000 if you’re 40, want to retire at 65 and plan to spend $60,000 a year. That assumes 7% growth, 3% inflation and a 4% withdrawal rate, in today’s dollars. The Coast FIRE number at 40, retiring at 65, for three spending levels:

• $40,000 a year: about $386,000
• $60,000 a year: about $579,000
• $80,000 a year: about $772,000

Want to retire at 60 instead? With five fewer years of growth, $60,000 a year takes about $700,000 at 40.

Count your retirement accounts and brokerage balances toward the target. Leave out your home and your emergency fund. If you have less than the number, you keep saving until you reach it, and the target grows by about 3.9% each year you wait.

Try your own numbers in the Coast FIRE calculator.