Disclaimer

Educational tool, not financial advice

Coastward is a free educational tool. Everything it produces (the Coast FIRE projections, the Monte Carlo probabilities, and the game) is for general educational and informational purposes only. It is not financial, investment, tax, legal, or accounting advice, and it is not a recommendation to buy, hold, or sell any security or to adopt any investment strategy.

Not a registered investment adviser

Coastward is not a registered investment adviser, a broker-dealer, or a fiduciary, and using it does not create an advisory or fiduciary relationship. We do not know your full financial situation and cannot give you advice tailored to it.

No guarantee of results

The projections are mathematical models built on historical market data and on assumptions you choose. Markets are uncertain and the future will not repeat the past. Historical returns (especially the long US record this tool draws on) reflect an unusually successful century and may overstate what future markets deliver. No result here is a promise, a guarantee, or a prediction of your actual outcome.

Not an offer

Nothing on this site is an offer or solicitation to buy or sell any financial product in any jurisdiction.

Do your own diligence

Before acting on anything you learn here, consult a qualified financial professional who can account for your specific circumstances. Any decision you make is your own responsibility.

Your numbers stay with you

Every calculation runs in your browser. The figures you enter are never sent to us or to anyone else. See the Privacy Policy for detail.

Questions: privacy@coastward.app.