Coast FIRE at 40 — bigger target, shorter coast
FIRE number: $1,500,000 ($60,000/year × 25.0). At 7% real return saving $0/month from $280,000, you reach it in 25 years — age 65. Savings rate: 0%.
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Frequently asked questions
What's the FIRE number for coast fire at 40 — bigger target, shorter coast?
FIRE number = annual expenses × (100 / SWR). For $60,000/year expenses at 4% SWR: $60,000 × 25.0 = $1,500,000.
How many years to reach this FIRE number?
Starting with $280,000 and saving $0/month at 7% real return, you reach $1,500,000 in 25 years at age 65. Total contributed in the simulation: $280,000; growth: $1,239,681.
What savings rate does this require?
$0/year saved out of an implied $60,000 income = 0% savings rate. This is an arithmetic scenario; the result changes with income, expenses, contributions, taxes, fees and return assumptions.
What if my real return is different?
Keeping this scenario's balance, expenses, contributions and 4% SWR fixed, a 5% real-return sensitivity reaches the target in 35 years; an 8% sensitivity reaches it in 22 years. These are constant-return illustrations, not forecasts.
How this number was calculated
FIRE number = Annual expenses × (100 / SWR)
= $60,000 × 25.0
= $1,500,000
Years to FIRE: solve bal × (1 + r) + annual_contrib = FIRE
starting bal = $280,000
annual_contrib = $0
r (real return) = 0.07
→ 25 years (age 65)
Total contributed = $280,000
From growth = $1,239,681 (83% of FIRE number)Math grounded in the Trinity Study (Cooley et al., 1998) and Karsten Jeske's SWR Series.
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Open the FIRE calculator →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.