Coast FIRE Number at Age 38
With 27 years of compounding ahead of you (retiring at 65), here's exactly how much you need invested at 38 to never save for retirement again.
Your Coast FIRE number at 38
$357,473
Assumes $40k/year retirement spending, 7% nominal return, 3% inflation, 4% safe withdrawal rate, no fund fees, retirement at 65 (real return ≈ 3.88%).
Coast FIRE Number at 38 by Spending Level
| Annual retirement spending | FIRE number | Coast FIRE number at 38 |
|---|---|---|
| $30,000 | $750,000 | $268,105 |
| $40,000 | $1,000,000 | $357,473 |
| $50,000 | $1,250,000 | $446,841 |
| $60,000 | $1,500,000 | $536,209 |
| $75,000 | $1,875,000 | $670,262 |
| $100,000 | $2,500,000 | $893,682 |
What This Means for You
If you have $357,473 invested at age 38, your portfolio can grow entirely on its own to roughly $1,000,000 by age 65 — enough to support $40,000 of annual spending under the 4% rule. From that moment on, every dollar you earn is yours to spend; retirement saving becomes optional.
With 27 years of compounding runway, time is your superpower — even modest balances can snowball. Investing early beats investing more, later.
These are planning estimates with fixed assumptions. Your actual retirement age, spending, and returns will differ — plug your real numbers into our free Coast FIRE calculator for a personalized result, or read the complete Coast FIRE guide.