Coast FIRE asks how much must be invested today to grow into a future retirement target without additional contributions.
OUR METHODSources → assumptions → European context → verdict
The core equation
Discount the future retirement target back by the assumed return and the years remaining. More years lowers today’s required amount.
The published illustration
For a €600,000 future target at an assumed 8% return, the approximate amount required rose sharply with age.
- Age 25: about €93,000 for retirement at 65
- Age 35: about €136,000
- Age 45: about €200,000
Use conservative inputs
Returns are not smooth. Test lower returns, inflation-adjusted spending and different retirement dates before treating the result as a milestone.
Educational illustration only—not personal financial, tax or investment advice. Tax, salary, broker and market figures change; verify current local information before acting.