Lean FIRE
17.5×
Freedom on a trimmed budget. 70% of your current spending, funded by investment growth. Enough to stop working, even if not enough to splurge.
Coast sits quietly in your menu bar. It tracks your FIRE number, shows your progress at a glance, and keeps every figure local to your Mac.
FIRE isn't one number. Coast tracks four targets, from a lean early exit to a life without financial constraint, each with its own progress bar so you can see exactly where you stand.
Freedom on a trimmed budget. 70% of your current spending, funded by investment growth. Enough to stop working, even if not enough to splurge.
The classic 4% rule. Your current spending, sustained indefinitely by a portfolio that grows as you withdraw.
1.5× your current spending, fully funded. Room to travel more, work less, and never think twice about the bill.
No accounts. No sync. No server ever sees your net worth. Coast stores everything locally. Your finances stay on your Mac, and nowhere else.
All amounts are blurred by default. One Touch ID press (or your Apple Watch) reveals your figures for that session. Lock the screen and they hide again.
In stealth mode, the menu bar shows only the progress gauge. No percentage, no balance, no context. The full panel locks until you authenticate.
No analytics, no crash reporter, no cloud sync. Your data lives in UserDefaults and Keychain on your Mac. Export to JSON anytime. You own it entirely.
Enter your monthly spending, what you've already invested, and how much you save each month. Coast calculates your FIRE number, your progress, and your projected freedom date. Instantly, as you type.
Switch to Advanced when you want the full picture: multiple income streams, annual one-offs, illiquid assets, and the return assumptions that drive every projection.
Adjust any number and your freedom date shifts in real time. No recalculating. No spreadsheet. Just the answer, immediately.
Redirecting $500/mo from spending to investing pulls your freedom date forward by over a year.
Lower spending shrinks your FIRE number and raises your savings rate at the same time. A double effect.
A lump sum invested today compounds for years. It often moves the date more than the same total spread across monthly contributions.
On a large portfolio, an extra 1% annual return matters. Especially in the later years, when compounding picks up speed.
No subscription. No "Pro" tier. No features held back. Pay once and you get everything, including every update we ship after that.
One-time purchase · Lifetime updates
30-day free trial · macOS 13+