RetireAtlas

Coast FIRE · Mexico

Coast FIRE in Lake Chapala (Ajijic)

Use the existing Lake Chapala (Ajijic) couple budget to estimate a retirement target, then test your own staged plan.

Local spending estimate

Our typical couple estimate is $1,800 per month, or $21,600 per year. The recorded monthly range is $1,530–$2,160. At a 4% withdrawal rate, the typical estimate implies a FIRE target of $540,000.

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 $540,000 target:

Current ageYears to retirementBalance needed today
3035$97,896.75
4025$159,463.5
5015$259,749.23

Plan your stages for Lake Chapala (Ajijic)

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

  • Often called the best climate in the world: 21–27°C days essentially year-round at 1,500m elevation, with a green rainy season June–September.
  • Town itself is low-crime, but Jalisco state requires more security awareness than Yucatán. Editorial score 7.5/10.

These notes come from our existing Lake Chapala (Ajijic) destination profile; check the profile's dates and sources before making a move. Taxes are not included in the calculator.