Coast FIRE Europe (€)
Find your Coast FIRE number in Euros — when you can stop saving and let your investments compound to retirement. Factor in state, occupational, and private pensions.
State pension • Occupational pension • Private pension • 100% Free📊 Your Details
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See how different pension types reduce your Coast FIRE target.
Based on retire at 67, 4% withdrawal, 2.0% inflation.
Disclaimer: This is a general estimate. Pension systems vary by country. Consult your national pension authority for accurate projections.
European Coast FIRE by Age
Based on €35,000 annual spending, 4% withdrawal rate, 5.5% expected return, 2.0% inflation, retiring at 67. All figures in today's Euros.
| Current Age | Years to 67 | Coast FIRE Number | Full FIRE Number |
|---|---|---|---|
| 25 | 42 | €277,084 | €875,000 |
| 30 | 37 | €319,820 | €875,000 |
| 35 | 32 | €369,144 | €875,000 |
| 40 | 27 | €426,082 | €875,000 |
| 45 | 22 | €491,792 | €875,000 |
| 50 | 17 | €567,540 | €875,000 |
Change your spending, return, inflation, or retirement age in the calculator above for your exact number. Figures are in today's purchasing power.
European Coast FIRE Insights
Key considerations for Coast FIRE planning across Europe.
State Pension Systems Vary
European state pensions range from the Nordic model (high coverage, universal) to contributory systems (Germany, France) and funded models (Netherlands, Switzerland). Know your country's system and estimate your benefit.
Occupational Pensions Matter
Many European countries have strong occupational pension schemes. In the Netherlands, the average occupational pension replaces 70% of income. In Germany, many employees have company pensions (betriebliche Altersvorsorge). Factor these in.
Real Return Expectations
European equities have historically returned 6-8% nominal with inflation around 2%. The real return is roughly 4-6%. Our default of 5.5% with 2.0% inflation gives a real return of about 3.4% — adjust to your own projections.
Tax Considerations
Tax on retirement income varies across Europe. Some countries exempt pension income from tax, others tax it progressively. Factor in your country's tax regime when calculating your spending needs.
Frequently Asked Questions
Common questions about Coast FIRE in Europe.
