simpleFIRE vs Coastful

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/

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. ---------------------------------------- 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. ---------------------------------------- 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. ---------------------------------------- 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. ---------------------------------------- Terms of Use (EULA): https://zwstudiollc.com/terms.html Privacy Policy: https://zwstudiollc.com/privacy.html