RetireAtlas

Coast FIRE · Portugal

Coast FIRE in The Algarve

Use the existing The Algarve couple budget to estimate a retirement target, then test your own staged plan.

Local spending estimate

Our typical couple estimate is $2,400 per month, or $28,800 per year. The recorded monthly range is $2,040–$2,880. At a 4% withdrawal rate, the typical estimate implies a FIRE target of $720,000.

Source: RetireAtlas editorial cost profile, reviewed 2026-01-15. No independent cost source is recorded; this is an editorial estimate, not a verified price. Actual costs depend on housing, insurance and lifestyle. All calculator amounts use USD in today's purchasing power.

Coast FIRE number by starting age

Assuming retirement at 65, 5% real annual return, no more contributions, and the same $720,000 target:

Current ageYears to retirementBalance needed today
3035$130,529.01
4025$212,618
5015$346,332.31

Plan your stages for The Algarve

Life phases

Age ranges include the start and exclude the end. Net flow is added at year end; positive means saving, negative means withdrawing. Uncovered years have zero flow.

FIRE target
At retirement
Today needed for this plan
Earliest age to stop saving

Annual balance detail
Age reachedYear-end net flowBalance

All values are in today's USD, using a constant real return. Contributions and withdrawals occur at year end. This is a deterministic illustration; taxes are not included.

Open the full staged Coast FIRE calculator

Local planning notes

  • Two-bedroom apartment near the coast: roughly €900–1,400/month.
  • Over 300 days of sunshine a year. Mild, wet winters (12–17°C) and warm, dry summers (24–30°C) moderated by the Atlantic.
  • Portugal ranks among the safest countries in the world; the Algarve is a low-violence, high-tourism region. Editorial score 9.5/10.

These notes come from our existing The Algarve destination profile; check the profile's dates and sources before making a move. Taxes are not included in the calculator.