Money won't make you happy. But not having enough is exhausting. Find out when you can stop grinding and start choosing how you spend your time.
Survive
1. Cover the basics
Rent, food, healthcare. The stuff that keeps you alive and not panicking about next month.
Coast
2. Stop the grind
Your money grows itself to retirement. You can shift to work you actually enjoy, even if it pays less.
Quit
3. Work becomes optional
You decide what Tuesday looks like. Time with people you love. Purpose over paycheck.
Select Your Flavor
Switch scenarios to see how the projections change.
Baseline - Stay the Course
Current income until retirement. Expenses held at retirement spending throughout.
Key trade-off
This is the default balance of time and money.
Years to Coasti
6
Year 6 Target: $1,040,583
Years to Quiti
14
Target: $2,500,000
Earliest Sabbaticali
Year 1
When accessible savings cover a year off
Runway at Sabbaticali
1.2 yrs
At year 1
Retirement Net Worthi
$7,447,993
Year 25: $4,017,378 in today's dollars
Annual Income at Retirementi
$297,920
Year 25: $160,695 in today's dollars
Total vs Accessible
All values are nominal dollars.
| Year | Start Total NW | Start Accessible NW | Work Income | Expenses | Savings | Restricted Savings | Accessible Savings | Growth Total | Growth Accessible | Withdrawal Needed | End Total NW | End Accessible NW | Capital Income Total | Capital Income Accessible | Coast FIRE Number |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $440,000 | $120,000 | $180,000 | $100,000 | $80,000 | $21,600 | $58,400 | $30,800 | $8,400 | $0 | $550,800 | $186,800 | $17,600 | $4,800 | $835,816 |
| 2 | $550,800 | $186,800 | $180,000 | $100,000 | $80,000 | $21,600 | $58,400 | $38,556 | $13,076 | $0 | $669,356 | $258,276 | $22,032 | $7,472 | $873,261 |
| 3 | $669,356 | $258,276 | $180,000 | $100,000 | $80,000 | $21,600 | $58,400 | $46,855 | $18,079 | $0 | $796,211 | $334,755 | $26,774 | $10,331 | $912,383 |
| 4 | $796,211 | $334,755 | $180,000 | $100,000 | $80,000 | $21,600 | $58,400 | $55,735 | $23,433 | $0 | $931,946 | $416,588 | $31,848 | $13,390 | $953,258 |
| 5 | $931,946 | $416,588 | $180,000 | $100,000 | $80,000 | $21,600 | $58,400 | $65,236 | $29,161 | $0 | $1,077,182 | $504,149 | $37,278 | $16,664 | $995,964 |
| 6 | $1,077,182 | $504,149 | $180,000 | $100,000 | $80,000 | $21,600 | $58,400 | $75,403 | $35,290 | $0 | $1,232,585 | $597,840 | $43,087 | $20,166 | $1,040,583 |
| 7 | $1,232,585 | $597,840 | $180,000 | $100,000 | $80,000 | $21,600 | $58,400 | $86,281 | $41,849 | $0 | $1,398,866 | $698,089 | $49,303 | $23,914 | $1,087,201 |
| 8 | $1,398,866 | $698,089 | $180,000 | $100,000 | $80,000 | $21,600 | $58,400 | $97,921 | $48,866 | $0 | $1,576,786 | $805,355 | $55,955 | $27,924 | $1,135,908 |
| 9 | $1,576,786 | $805,355 | $180,000 | $100,000 | $80,000 | $21,600 | $58,400 | $110,375 | $56,375 | $0 | $1,767,161 | $920,130 | $63,071 | $32,214 | $1,186,796 |
| 10 | $1,767,161 | $920,130 | $180,000 | $100,000 | $80,000 | $21,600 | $58,400 | $123,701 | $64,409 | $0 | $1,970,862 | $1,042,939 | $70,686 | $36,805 | $1,239,965 |
| 11 | $1,970,862 | $1,042,939 | $180,000 | $100,000 | $80,000 | $21,600 | $58,400 | $137,960 | $73,006 | $0 | $2,188,823 | $1,174,344 | $78,834 | $41,718 | $1,295,515 |
| 12 | $2,188,823 | $1,174,344 | $180,000 | $100,000 | $80,000 | $21,600 | $58,400 | $153,218 | $82,204 | $0 | $2,422,040 | $1,314,949 | $87,553 | $46,974 | $1,353,554 |
| 13 | $2,422,040 | $1,314,949 | $180,000 | $100,000 | $80,000 | $21,600 | $58,400 | $169,543 | $92,046 | $0 | $2,671,583 | $1,465,395 | $96,882 | $52,598 | $1,414,194 |
| 14 | $2,671,583 | $1,465,395 | $180,000 | $100,000 | $80,000 | $21,600 | $58,400 | $187,011 | $102,578 | $0 | $2,938,594 | $1,626,373 | $106,863 | $58,616 | $1,477,550 |
| 15 | $2,938,594 | $1,626,373 | $180,000 | $100,000 | $80,000 | $21,600 | $58,400 | $205,702 | $113,846 | $0 | $3,224,296 | $1,798,619 | $117,544 | $65,055 | $1,543,744 |
| 16 | $3,224,296 | $1,798,619 | $180,000 | $100,000 | $80,000 | $21,600 | $58,400 | $225,701 | $125,903 | $0 | $3,529,996 | $1,982,922 | $128,972 | $71,945 | $1,612,903 |
| 17 | $3,529,996 | $1,982,922 | $180,000 | $100,000 | $80,000 | $21,600 | $58,400 | $247,100 | $138,805 | $0 | $3,857,096 | $2,180,127 | $141,200 | $79,317 | $1,685,162 |
| 18 | $3,857,096 | $2,180,127 | $180,000 | $100,000 | $80,000 | $21,600 | $58,400 | $269,997 | $152,609 | $0 | $4,207,093 | $2,391,135 | $154,284 | $87,205 | $1,760,657 |
| 19 | $4,207,093 | $2,391,135 | $180,000 | $100,000 | $80,000 | $21,600 | $58,400 | $294,496 | $167,379 | $0 | $4,581,589 | $2,616,915 | $168,284 | $95,645 | $1,839,534 |
| 20 | $4,581,589 | $2,616,915 | $180,000 | $100,000 | $80,000 | $21,600 | $58,400 | $320,711 | $183,184 | $0 | $4,982,301 | $2,858,499 | $183,264 | $104,677 | $1,921,945 |
| 21 | $4,982,301 | $2,858,499 | $180,000 | $100,000 | $80,000 | $21,600 | $58,400 | $348,761 | $200,095 | $0 | $5,411,062 | $3,116,994 | $199,292 | $114,340 | $2,008,048 |
| 22 | $5,411,062 | $3,116,994 | $180,000 | $100,000 | $80,000 | $21,600 | $58,400 | $378,774 | $218,190 | $0 | $5,869,836 | $3,393,583 | $216,442 | $124,680 | $2,098,009 |
| 23 | $5,869,836 | $3,393,583 | $180,000 | $100,000 | $80,000 | $21,600 | $58,400 | $410,889 | $237,551 | $0 | $6,360,724 | $3,689,534 | $234,793 | $135,743 | $2,192,000 |
| 24 | $6,360,724 | $3,689,534 | $180,000 | $100,000 | $80,000 | $21,600 | $58,400 | $445,251 | $258,267 | $0 | $6,885,975 | $4,006,202 | $254,429 | $147,581 | $2,290,201 |
| 25 | $6,885,975 | $4,006,202 | $180,000 | $100,000 | $80,000 | $21,600 | $58,400 | $482,018 | $280,434 | $0 | $7,447,993 | $4,345,036 | $275,439 | $160,248 | $2,392,802 |
| 26 | $7,447,993 | $4,345,036 | $0 | $100,000 | -$100,000 | $0 | -$100,000 | $521,360 | $304,153 | $100,000 | $7,869,353 | $4,549,188 | $297,920 | $173,801 | $2,500,000 |
| 27 | $7,869,353 | $4,549,188 | $0 | $100,000 | -$100,000 | $0 | -$100,000 | $550,855 | $318,443 | $100,000 | $8,320,208 | $4,767,631 | $314,774 | $181,968 | $2,500,000 |
| 28 | $8,320,208 | $4,767,631 | $0 | $100,000 | -$100,000 | $0 | -$100,000 | $582,415 | $333,734 | $100,000 | $8,802,622 | $5,001,366 | $332,808 | $190,705 | $2,500,000 |
| 29 | $8,802,622 | $5,001,366 | $0 | $100,000 | -$100,000 | $0 | -$100,000 | $616,184 | $350,096 | $100,000 | $9,318,806 | $5,251,461 | $352,105 | $200,055 | $2,500,000 |
| 30 | $9,318,806 | $5,251,461 | $0 | $100,000 | -$100,000 | $0 | -$100,000 | $652,316 | $367,602 | $100,000 | $9,871,122 | $5,519,063 | $372,752 | $210,058 | $2,500,000 |
| 31 | $9,871,122 | $5,519,063 | $0 | $100,000 | -$100,000 | $0 | -$100,000 | $690,979 | $386,334 | $100,000 | $10,462,101 | $5,805,398 | $394,845 | $220,763 | $2,500,000 |
| 32 | $10,462,101 | $5,805,398 | $0 | $100,000 | -$100,000 | $0 | -$100,000 | $732,347 | $406,378 | $100,000 | $11,094,448 | $6,111,776 | $418,484 | $232,216 | $2,500,000 |
| 33 | $11,094,448 | $6,111,776 | $0 | $100,000 | -$100,000 | $0 | -$100,000 | $776,611 | $427,824 | $100,000 | $11,771,059 | $6,439,600 | $443,778 | $244,471 | $2,500,000 |
| 34 | $11,771,059 | $6,439,600 | $0 | $100,000 | -$100,000 | $0 | -$100,000 | $823,974 | $450,772 | $100,000 | $12,495,033 | $6,790,372 | $470,842 | $257,584 | $2,500,000 |
| 35 | $12,495,033 | $6,790,372 | $0 | $100,000 | -$100,000 | $0 | -$100,000 | $874,652 | $475,326 | $100,000 | $13,269,685 | $7,165,698 | $499,801 | $271,615 | $2,500,000 |
| 36 | $13,269,685 | $7,165,698 | $0 | $100,000 | -$100,000 | $0 | -$100,000 | $928,878 | $501,599 | $100,000 | $14,098,563 | $7,567,297 | $530,787 | $286,628 | $2,500,000 |
| 37 | $14,098,563 | $7,567,297 | $0 | $100,000 | -$100,000 | $0 | -$100,000 | $986,899 | $529,711 | $100,000 | $14,985,463 | $7,997,008 | $563,943 | $302,692 | $2,500,000 |
| 38 | $14,985,463 | $7,997,008 | $0 | $100,000 | -$100,000 | $0 | -$100,000 | $1,048,982 | $559,791 | $100,000 | $15,934,445 | $8,456,798 | $599,419 | $319,880 | $2,500,000 |
| 39 | $15,934,445 | $8,456,798 | $0 | $100,000 | -$100,000 | $0 | -$100,000 | $1,115,411 | $591,976 | $100,000 | $16,949,856 | $8,948,774 | $637,378 | $338,272 | $2,500,000 |
| 40 | $16,949,856 | $8,948,774 | $0 | $100,000 | -$100,000 | $0 | -$100,000 | $1,186,490 | $626,414 | $100,000 | $18,036,346 | $9,475,188 | $677,994 | $357,951 | $2,500,000 |
Did this calculator help you figure out your future? I'd love to hear what you're planning to do with your time once you hit coast or quit.
This calculator shows you when money stops being the reason you can't make a change. But here's the real secret: meaningful relationships, creative projects, and time with people you love? Those don't require financial independence.