Coast & Barista FIRE Planner

Early Retirement Calculator

Free · In‑App Purchases · Designed for iPad. Not verified for macOS.

See when work could become optional. Model Coast FIRE, build a Barista bridge, compare scenarios, and track your portfolio - all with your data kept on device. Plan when work could become optional. Coast & Barista FIRE Planner combines dedicated Coast and Barista calculations, interactive projections, what-if comparisons, and portfolio check-ins in one clear, private planning experience. PLAN COAST FIRE • Calculate the Coast number your portfolio may need today to grow toward Full FIRE without additional contributions. • Estimate your Coast age from your current invested portfolio and monthly contribution. • See today’s Coast target, current readiness, remaining gap, and Full FIRE target. • Compare a keep-contributing projection with a path that stops contributions when Coast FIRE is reached. • Calculate the monthly contribution required to reach the Full FIRE target by your planned retirement age. MODEL A BARISTA BRIDGE • Choose the age when you plan to begin part-time work. • Enter your own estimate of annual after-tax work income and annual spending during the Barista phase. • See the portfolio target required at the transition and the amount your current plan is projected to reach. • Calculate the annual amount the portfolio would need to cover after subtracting your entered work-income estimate from Barista spending. • Review the transition funding gap and projected portfolio at full retirement. EXPLORE THE PROJECTION • Use interactive Coast and Barista charts with inflation-adjusted values in today’s money. • Review key outcomes and annual portfolio checkpoints from your current age to retirement. • Extend the projected balance beyond retirement through age 95. • Compare Cautious, Balanced, and Growth rate scenarios. • Review built-in warnings when return, withdrawal-rate, or timeline assumptions may deserve another look. TEST PLAN CHANGES • Edit ages, invested portfolio, monthly contributions, spending, return, inflation, and withdrawal-rate assumptions. • Preview how saving more or less, spending more or less, retiring later, or starting the Barista phase later changes the result. • Apply a preview only when you choose to update the saved plan. TRACK PORTFOLIO PROGRESS • Add dated portfolio check-ins with optional notes. • Follow progress toward Coast, Barista, and Full FIRE targets. • View an interactive portfolio trend and complete check-in history. • Review total change, percentage change, average monthly change, and time tracked. • Edit or delete check-ins and export the history as CSV. UNDERSTAND THE NUMBERS • Read the formulas behind Full FIRE, real return, Coast targets, Barista spending gaps, and transition targets. • Review calculation assumptions and model limits directly in the app. • Choose from USD, EUR, GBP, JPY, CHF, CAD, AUD, and NZD display currencies. • Use System, Light, or Dark appearance. No account or bank connection is required. Your plan and portfolio check-ins stay on your device. Terms of Use - https://pipsapps.com/terms.html Privacy Policy - https://pipsapps.com/privacy.html

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The developer, Alona Nesterenko, 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 Collected

    The developer does not collect any data from this app.

    Privacy practices may vary, for example, based on the features you use or your age. Learn More

    Accessibility

    The developer has not yet indicated which accessibility features this app supports. Learn More

    Information

    Seller
    • Alona Nesterenko
    Size
    • 4.6 MB
    Category
    • Finance
    Compatibility
    Requires iOS 18.0 or later.
    • iPhone
      Requires iOS 18.0 or later.
    • iPad
      Requires iPadOS 18.0 or later.
    • Mac
      Requires macOS 15.0 or later and a Mac with Apple M1 chip or later.
    • Apple Vision
      Requires visionOS 2.0 or later.
    Languages
    • English
    Age Rating
    4+
    In-App Purchases
    Yes
    Copyright
    • © 2026 Alona Nesterenko
  • Privacy Policy

    • Supports

    • Family Sharing

      Some in-app purchases and subscriptions may be shareable with your family group when Family Sharing is enabled. Learn More

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