Coast FIRE with Pension
Your pension is guaranteed retirement income — and it directly reduces how much you need to save. See the impact on your Coast FIRE number in seconds.
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See how pension income reduces your Coast FIRE target.
Based on retire at 65, 4% withdrawal, 3% inflation.
Pension Impact: Before & After
See how different pension levels reduce the savings you need. The 4% rule in reverse: every $10K in annual pension = $250K less to save.
| Annual Spending | No Pension | With $15K Pension | With $25K Pension | With $40K Pension |
|---|---|---|---|---|
| $40,000 | $1,000,000 | $625,000 | $375,000 | $0 |
| $60,000 | $1,500,000 | $1,125,000 | $875,000 | $500,000 |
| $80,000 | $2,000,000 | $1,625,000 | $1,375,000 | $1,000,000 |
| $100,000 | $2,500,000 | $2,125,000 | $1,875,000 | $1,500,000 |
Based on 4% safe withdrawal rate. Pension amounts are annual guaranteed income starting at retirement. Assumes COLA-adjusted pension.
Key Pension Insights
Understanding how pension and Social Security interact with your Coast FIRE plan.
The 4% Rule in Reverse
If you have $10,000/year in guaranteed pension income, that replaces $250,000 of required savings ($10K ÷ 4% = $250K). A $30K pension eliminates $750K from your target.
Gap Years Strategy
If you retire at 55 but pension starts at 65, you face 10 gap years. Options: work part-time during the gap, build a dedicated bridge fund, or delay full coasting.
COLA Matters
Pensions with Cost-of-Living Adjustments (COLA) preserve purchasing power. Without COLA, $40K today buys only ~$30K in 10 years at 3% inflation. Factor this in.
WEP & GPO Repealed
The Social Security Fairness Act (signed Jan 2025) ended WEP and GPO. Teachers, firefighters, and police now receive their full Social Security benefit.
Frequently Asked Questions
Common questions about factoring pension and Social Security into Coast FIRE.