Coastful: FIRE Calculator
Coast FIRE & Retirement
Free · In‑App Purchases · Designed for iPad. Not verified for macOS.
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.
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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.
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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.
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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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Terms of Use (EULA): https://zwstudiollc.com/terms.html
Privacy Policy: https://zwstudiollc.com/privacy.html
Ratings & Reviews
What's new
• A fresh new look — a cleaner, more modern design with refreshed icons, crisper contrast, and full Dark Mode support.
• A guided first-run tour walks you through adding assets, tracking your net worth, and building your personalized FIRE plan.
• Personalized Safe Withdrawal Rate is now FREE — your FIRE number comes from your real asset mix, with a per-asset expected return and your own inflation assumption.
• Solve it two ways: see the year you reach FIRE, or set a target date and see the savings needed to get there.
• Clearer paywall with a side-by-side Free vs Pro comparison.
The developer, ZW Studio LLC, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Purchases
- Identifiers
- Usage Data
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- ZW Studio LLC
- Size
- 9.6 MB
- Category
- Finance
- Compatibility
Requires iOS 17.0 or later.
- iPhone
Requires iOS 17.0 or later. - iPad
Requires iPadOS 17.0 or later. - Mac
Requires macOS 14.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
English and 25 more
- English, Czech, Danish, Dutch, Finnish, French, German, Greek, Hebrew, Hindi, Hungarian, Indonesian, Italian, Japanese, Korean, Malay, Norwegian Bokmål, Polish, Portuguese, Romanian, Simplified Chinese, Spanish, Swedish, Thai, Traditional Chinese, Turkish
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- Coastful Pro (Lifetime) $19.99
- Coastful Pro (Monthly) $1.99
- Copyright
- © 2026 ZW Studio LLC