compoundcoast

Dividend and FIRE calculators that answer in a range, not one number.

Most calculators give you one confident number. These show the spread — after fees and tax, with a source on every figure.

For dividend investors, people working toward financial independence, and anyone drawing a portfolio down.

79 pages net of fees & tax Updated 2026-07-31

Inputs come from named primary sources — IRS · SSA · BLS · Shiller · Damodaran (NYU Stern) — each stamped with the date it was read.

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DCA vs lump sumCoast FIRESafe withdrawal rateSCHDJEPIVOO

The three-stage journey

Accumulate the pile, reach your number, then draw it down without running out. Each stage groups the calculators that answer its questions.

Stage 1

Accumulate

Build the pile.

3 calculators

Stage 2

Reach FI

Hit your number.

4 calculators

Stage 3

Live off it

Draw it down without running out.

4 calculators

Signature: the rolling-window reality engine

illustrative

One backtest engine drives the win-rate and success-rate tools. It replays every historical start year — total return with dividends reinvested, idle cash credited at T-bill rates, taxes and expense ratios applied, then adjusted for inflation — and reports a win-rate and a full percentile band instead of a single point. The bar below is an illustrative shape of a DCA-vs-lump-sum outcome spread, not your result:

Illustrative distribution of an ending-balance difference. The coral marker is the 5th-percentile outcome; the mint marker is the most favorable. Real results depend on your inputs and the data's as-of dates.

Open DCA vs Lump Sum How the engine works

The math is shown

Ranges, never a point

Every headline is a range — measured percentiles for the historical engines, a low / base / high scenario band for forward projections. A single number hides the downside that matters most for a retirement or a lump-sum decision.

Sources on every figure

Each input carries its source and as-of date — Damodaran, Shiller, IRS, SSA, BLS, HHS. Stale data breaks the build rather than misinform you.

Net of fees and tax

Expense ratios, advice fees, and the current-year tax engine are applied before the headline, so a 7% gross return is not quietly presented as spendable.

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