simpleFIRE vs Coast FIRE Calculator

simpleFIRE puts three FIRE calculators in your pocket, with Monte Carlo and historical backtesting built in. Move a slider and see what you'll have, when you can stop working, and how long your money will last. PROJECTION Start with what you have, add what you invest each month, pick a period and an expected annual return. Watch your portfolio compound year by year, with your contributions and the interest they earn side by side. TIME TO FI Set your FI target and see the month you reach it, the passive income it pays, and how far along you are each year. Not sure of your number? Start from what you spend and the app suggests one. DRAWDOWN Start living off your portfolio and see how long it lasts: the month it would run dry, what you withdraw along the way, and whether your returns keep up with your withdrawals. MONTE CARLO, HISTORICAL OR FIXED RATE — YOUR CHOICE Markets never pay the same return twice. Switch any calculator to Monte Carlo and the app runs 5,000 simulations of your exact plan, updated live as you move a slider. Prefer real data? Historical backtests your plan the way the Trinity study tested the 4% rule: through every period of real S&P 500 and US Treasury returns, with the inflation each year actually brought. Or keep it simple with a fixed rate. Set your mix of stocks and bonds with one slider and read every answer as a plain chance: what you'll have, when you'll reach FI, how long your money lasts, and the odds it lasts as long as you need. EVERY NUMBER, EXPLAINED Every result starts with the question it answers. Tap it for the full picture: a chart you drag through year by year while the numbers follow your finger, contributions and interest for every year, the year your money starts earning more than you add, and every assumption behind the result. Inflation is one tap away: see any result in today's money or as your account will show it. About in Settings explains how every number is calculated and where the market data comes from. PREMIUM — ONE PAYMENT, NO SUBSCRIPTION - Time to FI and Drawdown - Monte Carlo and Historical, with your own stocks and bonds mix and the chance you plan with - Saved profiles: keep several plans and switch in a tap - Calculation settings: inflation, contribution frequency, timing and yearly increases, withdrawal timing, compounding, withdrawal rate, planning horizon - PDF and image reports: share a clean summary of any plan Projection is free and stays free. No ads anywhere in the app. PRIVATE BY DESIGN No account, no sign-in, no tracking, no analytics. Your numbers stay on your device, every simulation runs on it, and the app asks for no permissions. Built for iPhone and iPad, and it runs on Mac too. Six languages, dark and light themes, your currency, your number format. simpleFIRE gives you estimates based on the assumptions you set and on past market data, which does not guarantee future returns. It is a calculator, not financial advice. EULA: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Ever wondered how much you need to invest today so your retirement nest egg grows on its own? The Coast FIRE Calculator helps you answer that question. “Coast FIRE” is a strategy within the FIRE (Financial Independence, Retire Early) movement that involves saving and investing enough early in life that, without further contributions, your portfolio will grow to fund retirement. Once you reach your Coast FIRE number, you can shift to work that covers only your current expenses while compound interest does the heavy lifting. Key Features: * Easy inputs: Enter your current age, target retirement age, desired retirement income, inflation assumptions and your preferred safe withdrawal rate. * Automatic Coast FIRE calculation: Instantly see your Coast FIRE number and the age at which you’ll hit it, based on your assumptions. * Scenario comparison: View default and slower‑growth scenarios to understand how varying investment returns change your path. * Year‑by‑year projections: Get a detailed table showing annual growth and portfolio balances from now until retirement. * Progress tracking: See your current progress toward your Coast FIRE number, both in today’s dollars and at retirement. * Save & manage calculations: Save multiple scenarios (e.g. “Coast at 30,” “Coast at 38,” “Coast at 40”) and revisit them later to track your progress. * Flexible retirement planning: Explore different retirement ages and income targets. Understand how changes in inflation, investment growth and withdrawal rates affect your nest egg. Coasting to financial freedom doesn’t mean quitting work entirely; it means knowing your future is secure so you can enjoy life on your own terms. Download the Coast FIRE Calculator to demystify your retirement goals and see if you’re on track for financial independence.