Coastful: FIRE Calculator

Know the exact year you can stop working — or stop saving. Coast FIRE & retirement calculator built around YOUR portfolio. Personalized SWR.

Know the exact year you can stop working - or stop saving.

Coastful is the Coast FIRE and retirement calculator built around YOUR portfolio. Project the year you can retire from real expenses, your real allocation, and the assumptions YOU choose. Whether you're planning Coast FIRE, Lean FIRE, or Fat FIRE, the math runs on your actual asset mix - not a textbook 4% rule. Coastful also models real-dollar inflation and runs what-if scenarios to show how any change moves your FIRE year.

Your data lives on your device. No bank logins, no accounts, no ads. Use Coastful purely offline.

FREE - the personalized calculator

PERSONALIZED SAFE WITHDRAWAL RATE A real-return SWR built from your actual asset mix - not a generic 4%. Sample portfolio: Base 4.0% becomes Personal 3.1%, a more honest FIRE number. Set an expected return per asset and tune your own inflation assumption.

YOUR FIRE YEAR, TWO WAYS Tell Coastful what you save and see the year you reach FIRE - or set a target date and see the savings needed to get there.

NET WORTH, TRACKED Net-worth dashboard with year-over-year history and allocation by category. Snapshots build your history over time. Quick-update any value with a one-tap pencil, or batch-update at month-end. Track up to 10 assets, in 30+ currencies with daily auto-conversion.

INFLATION, MODELED Every future dollar in your projection is discounted by inflation - the chart is real-dollar, not nominal, and tunable to your view.

COASTFUL PRO

COAST FIRE SIMULATION Find the year you can stop contributing - and let compounding finish the job on time. Sample portfolio: stop saving 2036, retire by 2056.

WHAT-IF SCENARIOS See how a change today moves your FIRE year:

• Save $500 more / month: 7 years faster
• Market drops 30% in 3 years: 5 years delayed
• Upgrade home $368K to $700K: 7 years delayed

UNLIMITED ASSETS Track every account, property, and holding - no 10-asset cap.

iCLOUD SYNC Keep your assets, snapshots, and FIRE plan in step across all your iPhones and iPads through your own private iCloud.

Coastful Pro is available as a monthly subscription or a one-time lifetime purchase that includes all future Pro features.

PRIVACY BY DESIGN

• Your data lives on your device. No backend account. iCloud Sync (Pro) moves your data through your own iCloud account, not our servers.
• No bank logins - you enter your own values.
• No ads, no ad SDKs, no third-party trackers. Anonymous usage analytics are opt-in, never include any financial amounts, and can be turned off in Settings.
• Optional Face ID / Touch ID lock on every launch.
• Your exports and imports stay on your device.

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