Coastful · FIRE Calculator

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

The FIRE calculator that runs on your portfolio. Coast FIRE simulation, personalized Safe Withdrawal Rate, custom inflation, and what-if scenarios — all on-device.

Download on the App Store Get it on Google Play Launching 2026
🔒 100% on-device 🚫 No accounts ⚡ No ads, no analytics
FIRE projection chart from 2030 to 2055 with the FIRE $1.25M target line, plus a Coast FIRE card showing stop-saving year 2036 and retire by 2056
FIRE Calculator screen — $50,000 annual expenses, $1.25M investable target, 50.4% funded, reaching FIRE in 2037
🔥
FIRE progress39% → 2044
🌊
Coast FIRE planStop 2036
🎯
Personalized SWR3.1%

From portfolio to FIRE year — in 3 steps.

No bank logins. No spreadsheet. Just real numbers, your assumptions, and one clear answer.

1

Add your holdings

Stocks, retirement accounts, real estate with mortgage, cash, crypto. Tap the pencil any time to quick-update a value.

Assets list with checking, HYSA, brokerage, 401(k), Roth IRA, primary home, and crypto
2

Set your annual expenses

One number is enough. Coastful turns it into your FIRE target and starts tracking how much you've already funded.

FIRE Calculator screen showing $50,000 annual expenses and $1.25M investable target with 50.4% funded
3

See the projection

A multi-decade chart with the year your portfolio crosses the FIRE line — plus Coast FIRE telling you when you can stop saving entirely.

Projected growth chart from 2030 to 2055 with FIRE $1.25M target line, plus Coast FIRE card showing stop-saving year 2036 and retire by 2056

A FIRE plan, personalized to your portfolio.

Most FIRE calculators stop at the 4% rule. Coastful goes further — pulling your real allocation, your inflation view, and your contingencies into the same projection.

🌊

Coast FIRE simulation

Find the year you can stop contributing and let compounding finish the job on time.

  • See if you can coast to retirement
  • Pick a stop-saving year
  • Set a target retirement year
🎯

Personalized SWR

A real-return Safe Withdrawal Rate built from your actual asset mix — not a textbook 4%.

Base · classic 25× rule 4.0%
↓
Personal · your portfolio 3.1%
A mix that includes some lower-return holdings (cash, crypto) yields a more conservative SWR — and 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.

  • Asset values depreciate by the inflation rate each year
  • Tunable to match your view of the next decade
  • Paired with a real-return SWR for consistency
🧪

What-if scenarios

Three built-in scenarios show how a change today moves your FIRE year — pulled in or pushed out.

  • 💰 Save more / month
  • 📉 Market drop, pre- or post-FIRE
  • 🏠 Upgrade or downgrade home

Examples — what each scenario tells you.

All numbers from the sample portfolio above (Pro/Advanced, FIRE in 2044). Your real deltas depend on your own assumptions.

💰
Save $500 more per month
⏩ 7 years faster
Save more / month scenario in the app — new FIRE year 2037, FIRE impact −7 yrs
📉
Market drops 30% in 2029
⏸ 5 years delayed
Market drop scenario — 30% crash in 2029 shifts FIRE date to 2049
🏠
Upgrade home: $368K → $700K
⏸ 7 years delayed
Upgrade home scenario — $700K target, FIRE delayed 7 yrs, monthly +$1,089

Your money, your device. Full stop.

Personal financial data is the most sensitive thing on your phone. Coastful is designed so it never has to leave.

🚫 No bank logins You enter and update your own values. We never ask for credentials or aggregator tokens.
👁️ No analytics No event SDKs, no ad networks, no third-party trackers. Nothing is reported home.
🔐 Biometric lock Optional Face ID, Touch ID, or Android biometric prompt on every launch.
📤 You own your data Exports and imports stay on your device. Share, save, or move them on your own terms — never through us.

Simple pricing. Try Pro free.

The base FIRE calculator is free, forever. Unlock the Pro features when you're ready.

FREE
Coastful
$0 / forever
  • FIRE number from real expenses
  • Classic 4% rule (25× target)
  • Funded % and multi-decade projection
  • Net worth dashboard with history & allocation
  • Unlimited assets and snapshots
  • On-device backup & restore
  • Biometric app lock
PRO
Coastful Pro
$1.99 / month
or $19.99 one-time lifetime purchase
  • 🌊 Coast FIRE simulation
  • 🎯 Personalized Safe Withdrawal Rate
  • 📐 Custom inflation rate
  • 🧪 What-if scenarios
  • Future Pro features as they ship
7-day free trial. Cancel anytime in your Apple ID or Google Play settings.

Your FIRE number, built from your portfolio.

Real expenses. Real allocation. Real inflation. A FIRE year that's actually yours — free download, free 7-day Pro trial, private by design.

Coming soonApp Store Coming soonGoogle Play