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 — or turn on iCloud Sync (off by default) to keep your iPhones and iPads in step.

THE FOUR PRO PILLARS - 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.

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.

INFLATION, MODELED Every future dollar in your projection is discounted by inflation. The chart you see is real-dollar, not nominal. Tunable to match your view.

WHAT-IF SCENARIOS Three built-in scenarios show 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

THE FREE CALCULATOR

• Your FIRE number from real annual expenses (classic 4% rule / 25x target).
• Funded percentage that updates as your portfolio grows.
• Multi-decade projection chart with the year your portfolio crosses the target.
• Net worth dashboard with year-over-year history and allocation by category.
• Unlimited assets and snapshots.
• Quick-update value with a one-tap pencil; batch-update at month-end.
• Multi-currency support: track assets in 30+ currencies with auto-conversion to your app currency using daily ECB reference rates.
• On-device backup and restore.
• Biometric app lock.

PRIVACY BY DESIGN

• Your data lives on your device. No backend account. iCloud Sync is optional and off by default — when on, your data moves 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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