Coast & Barista FIRE Planner

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.

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