Free calculator for high earners

Find out if you're already free to stop sprinting.

Your Coast FIRE number is the point where your investments will grow into a full retirement on their own — no more contributions needed. You might have already hit it without knowing.

Calculate my number Takes 90 seconds. Free.
$3M approx. retirement target to hit top 10% of US retirees
1 number that changes how you make every career decision

What is Coast FIRE?

Retirement handled.
Career optional.

Coast FIRE isn't about quitting your job. It's about reaching the point where compound interest will grow your existing investments into a full retirement — without another dollar of contributions.

There's a specific number — your Coast number — where the math is done. Everything you earn after that is yours to use however you want. A lower-stress role. A sabbatical. A career bet you couldn't afford to take before.

"Coast FIRE allows you to fund your future self early so your current self can afford to breathe."— For high-achieving professionals who've done everything right and still feel trapped.

Most high earners are optimizing for a finish line they've never clearly defined. Coast FIRE gives you a number. A real, specific number. And for people who've been aggressively saving since their late 20s, that number is often a lot closer than it feels.

How it works

Three inputs.
One number that changes everything.

1

Enter your basics

Your age, target retirement age, current investment balance, and how much you want to spend in retirement. Takes 60 seconds.

2

Get your Coast number instantly

We calculate the dollar amount where your investments will compound into full retirement on their own — and whether you've already crossed that line.

3

See what it means for your career

Not just the math — a plain-English breakdown of what your number actually unlocks. What income you need. What roles become possible. What changes now.

Example output

This is what your
results look like.

A 37-year-old attorney, $340k current balance, wants $130k/year in retirement at 65.

Coast FIRE status

You've already crossed the line.

Coast number

$313,000
Your balance
$340,000
Coast number
$313,000
Full FIRE target
$3,250,000
Your $340,000 will grow to approximately $3.25M by age 65 at a 7% average return — enough to support $130,000/year in retirement without touching the principal. You could even have a surplus of $27,000 above your Coast number.

Disclaimer: The calculations provided by this tool are for educational and illustrative purposes only. All calculations and projections are hypothetical and do not represent actual financial results or guarantee future performance. This tool does not provide financial, tax, legal, or investment advice. The estimates generated depend on the specific inputs provided by the user and assumptions such as inflation rates, investment returns, and market conditions, which cannot be predicted with absolute certainty. Past performance is no guarantee of future results. All investments carry risk, including the potential loss of principal. You should always consult with a qualified financial or tax professional regarding your personal situation before making any major financial or retirement decisions. The Balanced Path to FI and its owners assume no liability for any financial losses or damages incurred by using this calculator.

Who this is for

Built for people who earn a lot
and still feel stuck.

This isn't for the lean FIRE crowd living on $35k a year. It's for high earners who've been doing everything right — maxing accounts, saving aggressively, building real wealth — and still feel like they can't afford to make a different choice.

"I ran my number and realized I'd hit Coast FIRE at 35 — two years before I found the courage to pull the trigger and make a career shift. Two years of grinding I didn't have to do. Now I know what I'm actually optimizing for."

— Corporate attorney

The calculator

Find your Coast FIRE number.

Coast FIRE Calculator

Free · Takes 90 seconds · Results sent to your inbox

Step 1 — Your basics

7%

7% is a conservative historical average for a diversified index portfolio.

Step 2 — Your numbers

Include 401k, IRA, brokerage — anything invested for retirement.

How much do you want to spend per year in retirement? Be honest. Don't forget about healthcare and taxes!

Step 3 — Get your results

Your Coast FIRE number is ready. Enter your email and we'll send you the full breakdown — your number, what it means, and what it unlocks for your career.

After subscribing, click below to see your results.

Coast number
Your balance
Full FIRE target
Progress to Coast number

Full breakdown sent to your inbox. Check your email.

Disclaimer: The calculations provided by this tool are for educational and illustrative purposes only. All calculations and projections are hypothetical and do not represent actual financial results or guarantee future performance. This tool does not provide financial, tax, legal, or investment advice. The estimates generated depend on the specific inputs provided by the user and assumptions such as inflation rates, investment returns, and market conditions, which cannot be predicted with absolute certainty. Past performance is no guarantee of future results. All investments carry risk, including the potential loss of principal. You should always consult with a qualified financial or tax professional regarding your personal situation before making any major financial or retirement decisions. The Balanced Path to FI and its owners assume no liability for any financial losses or damages incurred by using this calculator.