PlanCoast — Coast/Retire Timeline Calculator

For hourly and salaried workers who want to know when they can coast or quit

Problem

A user built a life-stage financial planning tool in a few hours to figure out how long they must work to coast or retire, and the post drew 40+ comments and 40+ upvotes, showing many people are stuck on this question. Existing calculators are mostly US 401k-style retirement tools and don't fit freelancers, hourly contractors, or cross-border earners.

Solution

Enter current hourly/salary rate, savings rate, expected spending and portfolio return, and get two dates: when you can coast and when you can fully retire. Also shows how changing jobs or taking a pay cut shifts those dates. Save scenarios as snapshots to compare life stages.

Users

30–45 year old developers, freelancers and remote workers with decent income but tired of full-time work, who want to quantify when they can stop.

MVP

Input hourly/salary rate, monthly spend, investable assets; simple compounding plus safe withdrawal rate to compute coast and retire dates; compare job-change or pay-cut scenarios; generate a shareable one-page result; all local, no upload.

Revenue

Free tier for basic dates; subscription for multi-scenario comparison, inflation/tax adjustments and export; or one-time lifetime purchase.

Why now

Remote and freelance work keep growing, AI amplifies individual output, and more people seriously ask when they can stop working, while mainstream retirement calculators remain tied to US 401k assumptions.