i自由 vs Coastful

自由 —— 为认真规划财务自由的人，准备的资产管理工具 不必每天手动记账，也不必在多个 App 之间来回切换。从截图导入持仓，到股息自动计入被动收入，再到测算「还要多久财务自由」——把资产、收入与目标放在同一张图里，让规划有据可依。 核心功能 一键截图导入 支持支付宝基金、同花顺股票等截图识别，自动提取持仓与金额，减少手工录入，资产更新更省心。 股息自动追踪 实时关注持仓分红，股息自动计入被动收入，分红到账少记一笔、漏记一笔。 财务自由测算 结合现有资产、被动收入（含股息）与目标，估算达成财务自由的大致年限，让长期规划有数可依。 多市场支持 覆盖 A 股、港股、美股、新三板，行情与分红动态集中查看，跨市场持仓不再分散。 全景财务视图 资产、负债、收支以图表呈现，趋势一目了然，帮助你看清钱从哪里来、到哪里去。 适合这样的你 正在积累被动收入、向财务自由迈进 持仓分散在多个平台，厌倦重复录入 希望用数据回答：「按现在的节奏，还要多久？」 立即开始，规划你的被动收入人生。

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