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FIRE by age

How much you need at each age, from coast FIRE to early retirement.

What coast FIRE means and the amount you need at 25, 30, 35, 40 and 45.

Median and average net worth by age from the Federal Reserve's 2025 survey, and what changed since 2022.

The portfolio you need by spending level for a 50-year retirement, what it takes to save it and how to bridge to 59½.

What $1M, $2M and $3M pay each year from 50, how long each lasts at each spending level and what Social Security adds.

Calculators

Your FIRE number and the age you reach it for lean, regular and fat FIRE. $40,000 a year at a 4% withdrawal rate needs $1,000,000.

How much you need invested today to stop saving. $231,377 at 35 grows to $1,000,000 by 65 on its own.

Years your savings last at a fixed withdrawal, with a two-bad-years test. $40,000 a year from $1,000,000 lasts 44.1 years.

Your percentile among US families your age, from the Federal Reserve's 2025 survey. The median for all families is $216,100.

Last reviewed by Asier Fernández, editor, on October 18, 2026. Educational information only, not financial advice. How we calculate