About WorthCay
Our Mission
WorthCay is a free Coast FIRE calculator with a place to keep the plan alive afterward. We help you find your Coast FIRE number and fire number — then track the gap between today and that goal as your portfolio changes.
Worth means your independence target and how far you still have to go. The calculator is open to everyone; saving the plan and logging progress is what turns a one-time estimate into a habit.
What We Offer
Coast FIRE Calculator
Age, spending, portfolio, and assumptions in — Coast threshold, FIRE target, and years remaining out. No signup required to run the numbers.
Portfolio Accounts
Organize 401(k), IRA, Roth, brokerage, HSA, and more so your Coast check stays tied to real balances.
Progress History
Save your goal, log updates over time, and compare Actual vs Goal instead of re-entering a blank form every quarter.
Plan & What-If
Adjust retirement age, returns, or contributions and see how your Worth gap moves — then keep the scenario you care about.
Data Security
We take your data security seriously. Portfolio and FIRE plan data you save is stored with industry-standard practices. We use encryption for sensitive information and follow solid defaults for access control.
Learn more in our Privacy Policy
Get in Touch
Questions about the calculator, progress tracking, or anything else — we'd like to hear from you.
We're actively improving WorthCay; feedback shapes what we build next.