What's the FIRE number for coast fire at 35 — the number you need to coast?

FIRE number = annual expenses × (100 / SWR). For $50,000/year expenses at 4% SWR: $50,000 × 25.0 = $1,250,000.

How many years to reach this FIRE number?

Starting with $165,000 and saving $0/month at 7% real return, you reach $1,250,000 in 30 years — at age 65. Total contributed: $165,000; growth: $1,085,000.

What savings rate does this require?

$0/year saved out of an implied $50,000 income = 0% savings rate. At this rate, FIRE in ~30 years aligns with Mr. Money Mustache's famous "shockingly simple math" — savings rate is the single biggest lever, more than income or rate of return.

What if my real return is different?

Bump to 8% real and FIRE comes ~2-3 years sooner. Drop to 5% and it takes 3-5 years longer. Real (after-inflation) returns matter more than nominal. The S&P 500 long-run real return is ~7%; use this for retirement planning unless you want to inflate your target.

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FIRE scenario · Verified 2026-05-27

Coast FIRE at 35 — the number you need to coast

FIRE number: $1,250,000 ($50,000/year × 25.0). At 7% real return saving $0/month from $165,000, you reach it in 30 years — age 65. Savings rate: 0%.

FIRE number

$1,250,000

Years to FIRE

FIRE age

Savings rate

Run your own variations

The calculator below is pre-filled with this scenario's numbers — drag any input to see how it shifts your FIRE timeline.

How this number was calculated

FIRE number  = Annual expenses × (100 / SWR)
             = $50,000 × 25.0
             = $1,250,000

Years to FIRE: solve   bal × (1 + r) + annual_contrib = FIRE
  starting bal = $165,000
  annual_contrib = $0
  r (real return) = 0.07
  → 30 years

Total contributed  = $165,000
From growth        = $1,085,000  (87% of FIRE number)

Math grounded in the Trinity Study (Cooley et al., 1998) and Karsten Jeske's SWR Series.

Related FIRE scenarios

Coast FIRE at 30 — stop saving and let it grow to 65

→ FIRE $1,250,000 in 36 years (age 66)

Coast FIRE at 40 — bigger target, shorter coast

→ FIRE $1,500,000 in 25 years (age 65)

Run any FIRE scenario

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Educational projection. Future returns are not guaranteed. Sequence-of-returns risk matters for early retirees — see Karsten Jeske's SWR Series for nuanced analysis. Verified 2026-05-27.