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
🔒 Your data stays on device 🚫 No accounts ⚡ No in-app ads
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.
📊 Your numbers stay private We use anonymous, opt-out usage analytics to improve Coastful and measure our ads — but your assets, balances, and financial data are never collected or sent.
🔐 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.

Frequently asked questions

Short answers about Coast FIRE, pricing, privacy, multi-currency, and the trial.

What is Coast FIRE and how is it different from regular FIRE?
Coast FIRE is the point at which you've saved enough that, even if you stop contributing today, compound growth alone will get you to your retirement number by your target year. Regular FIRE (Lean / Fat) is about reaching the full target where 4% withdrawals cover annual spending. Coastful shows both: the year you can stop saving (Coast FIRE) and the year you can actually retire.
Is Coastful free to use?
Yes. The free tier gives you the FIRE calculator using the classic 4% rule, the net worth dashboard with year-over-year history, unlimited assets and snapshots, and on-device backup. Coastful Pro ($1.99/month with a free trial, or $19.99 lifetime) adds Coast FIRE simulation, a personalized Safe Withdrawal Rate built from your actual asset mix, custom inflation, and what-if scenarios.
Does Coastful connect to my bank or brokerage?
No. Coastful never connects to banks, brokerages, or any financial aggregator. You enter your own asset values, and they're stored only on your device — there are no accounts and no cloud sync. Coastful does use anonymous, opt-out usage analytics (Google Analytics for Firebase) to improve the app and measure our advertising, but your financial data is never collected — see our Privacy Policy.
What is a Personalized Safe Withdrawal Rate?
The classic FIRE rule of thumb is 4% — the assumption used by most calculators. Coastful Pro instead computes a real-return SWR from your actual asset mix (stocks, bonds, cash, real estate) and your chosen inflation rate. A conservative portfolio might land at 3.1%, a stock-heavy one at 4.5%. The result is a FIRE number tied to how you actually invest, not a generic textbook number.
Can I track assets in different currencies?
Yes. Coastful supports 30+ currencies (USD, EUR, GBP, JPY, CNY, INR, and more). Each asset can be in its own native currency, and Coastful auto-converts to your chosen app currency using daily reference rates from the European Central Bank (via api.frankfurter.dev). The conversion is anonymous — no user data is sent, and rates are cached on-device for 24 hours. Single-currency users (everything in the same currency as the app) make zero network requests.
Does Coastful work offline?
Yes. Coastful is fully on-device — your data, calculations, projections, and charts all work without an internet connection. The only optional network call is the daily exchange-rate fetch when you're using multi-currency mode, and that's cached for 24 hours.
Will my data sync between iPhone and Android?
Coastful doesn't have cloud sync (no accounts, no servers — that's the privacy promise). However, both iOS and Android support backup/restore via shareable ZIP files. You can export from one device and import on another. The file format is identical across platforms.
How does the free trial work?
Coastful Pro includes a free trial on both platforms — the exact length comes from the App Store / Google Play offer, so it's whatever is currently configured (typically one week). You can cancel anytime during the trial through your platform store settings and won't be charged. After the trial, it's $1.99/month or $19.99 lifetime.

Your FIRE number, built from your portfolio.

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

Download on theApp Store Get it onGoogle Play