Micro-Retirement Calculator
Build your timeline, see your future
Your Financial Profile
30
$
$
$
60
7%
3%
Annual Savings$40,000
Savings Rate42%
Real Return4.0%
Your Career Timeline
30354045505560
Current Career
Sabbatical
Return to Work
Coast FIRE
Work
Break
Pivot
Coast
Add phase:
Current Career
Ages 30 - 34 (4 years)
$95,000/yr
-$55,000/yr
Sabbatical
Ages 34 - 35 (1 years)
$0/yr
-$45,000/yr
Return to Work
Ages 35 - 45 (10 years)
$120,000/yr
-$65,000/yr
Coast FIRE
Ages 45 - 60 (15 years)
$60,000/yr
-$50,000/yr
Compare Scenarios
Active
Your Current Plan
Based on your timeline above
$2.1M
at 60
1 year
breaks
94%
success
Compare
No Breaks
Work straight through to retirement
$2.8M
at 60
0 years
breaks
97%
success
Bold
Extended Sabbatical
Take 2 years off in your 30s
$1.8M
at 60
2 years
breaks
89%
success
AI Insight
Taking a 1-year sabbatical at age 34 costs ~$250K less than waiting until 44, due to compound growth on earlier savings. Your optimal break window is ages 33-36.