Calculate your exact retirement or Coast FIRE year based on your real expenses, portfolio allocation, and chosen assumptions. Model inflation, run what-if scenarios, and track your net worth with this offline, privacy-focused financial planning tool.
2.3.0
September 22, 2026
• Track debts and estimated payoff dates. • See assets, liabilities, and net worth at a glance.
Unlock Coast FIRE, personalized SWR, and what-ifs.
感谢您的支持和建议！我们已在 2.3.0 版本中加入债务管理功能，支持记录贷款等负债，并在总览中查看资产、负债和净资产。欢迎更新体验！ Thank you for your support and suggestion! Version 2.3.0 adds debt tracking, so you can track loans and other debts alongside your assets and see your net worth after liabilities. We’d love to hear what you think!
Coastful is a FIRE (Financial Independence, Retire Early) and retirement calculator designed to project your exact retirement or Coast FIRE year. It uses your real expenses, portfolio allocation, and chosen assumptions for personalized calculations.
Coastful calculates your FIRE year by factoring in your actual asset mix to determine a personalized Safe Withdrawal Rate (SWR), unlike generic 4% rules. It also models real-dollar inflation and allows you to set target savings or a target date.
No, Coastful is ad-free. The app is designed with privacy in mind and does not contain advertisements or ad SDKs. Anonymous usage analytics are opt-in and can be turned off.
Coastful Pro offers advanced features like Coast FIRE simulation to find when you can stop contributing, unlimited asset tracking, and iCloud Sync to keep your data consistent across devices. It is available via monthly subscription or a lifetime purchase.
Yes, your data lives on your device and is not stored on backend servers. Coastful does not require bank logins, and iCloud Sync (Pro) uses your own iCloud account for data transfer, ensuring high privacy.
Coastful is available for iPhone and iPad devices. It offers offline functionality, meaning you can use it without an internet connection.
The latest version of Coastful is 2.0, last updated on July 8, 2026. Updates typically include new features, performance improvements, and bug fixes to enhance the user experience.
The basic version of Coastful is free and includes the personalized calculator. Coastful Pro, offering advanced features, is available as a monthly subscription for $1.99 with a 3-day free trial, or as a one-time lifetime purchase.
