CoastIQ
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CoastIQ is a tax-accurate retirement planning calculator for iPhone and iPad, built for the FIRE (Financial Independence, Retire Early) community. It answers "Can I actually retire?" with math, not guesses.
Unlike calculators that apply a flat tax rate, CoastIQ models the real U.S. tax code โ marginal federal brackets, capital-gains stacking, Social Security taxation, NIIT, FICA, IRMAA Medicare surcharges, ACA subsidy phase-outs, and state income taxes โ alongside Monte Carlo simulation across historical market data.
Beyond projections, it includes 17 analysis tools: Historical Backtester, Roth Conversion Optimizer, Social Security Optimizer, Tax Analytics, Cash Flow Sankey, Estate Planning, Bear Market Stress Test, Spending Flexibility, RMD Projections, Geographic Arbitrage, Annuity Comparison, 72(t) SEPP, and Retirement Date Finder. Model unlimited what-if scenarios, eight withdrawal strategies, and couples/survivor planning.
Everything runs 100% on-device โ no cloud, no accounts, no tracking, no ads. Your financial data never leaves your iPhone or iPad. The free tier includes the full dashboard, Monte Carlo projections, and 3 analysis tools; CoastIQ Pro unlocks all 17 tools, unlimited scenarios, and PDF report export.
CoastIQ
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