Retirement planning, simplified
The only iOS calculator that does marginal tax brackets, capital gains stacking, and Social Security taxation correctly. 17 analysis tools. Zero data collection.
What makes CoastIQ different
No App Store competitor does tax math correctly. CoastIQ does.
Tax-Accurate Projections
Marginal federal brackets, capital gains stacking, Social Security taxation, NIIT, state taxes, FICA, and IRMAA — computed correctly.
Monte Carlo Simulation
1,000+ trial parallel simulation with correlated stock/bond returns and historical backtesting from 1928 to today.
Roth Conversion Optimizer
Bracket-filling strategy that respects ACA subsidies and IRMAA thresholds. Year-by-year conversion plan with incremental tax.
100% On-Device
All computation happens on your iPhone or iPad. No cloud, no accounts, no data collection. Your financial data never leaves your device.
17 analysis tools
From the blog
Tax strategies, FIRE planning guides, and retirement calculator deep-dives.
72(t) SEPP calculator - retire before 59½
The 10% early-withdrawal penalty blocks most FIRE plans. 72(t) SEPP is the IRS-sanctioned escape - three calculation methods plus the modification trap.
Inherited IRA RMD rules for beneficiaries
Most non-spouse beneficiaries must empty inherited IRAs within 10 years. If the owner died after RMDs began, annual distributions are also required from 2025.
Roth conversion calculator - how much to convert
The optimal Roth conversion fills your lowest tax brackets without tripping ACA subsidies, IRMAA surcharges, or Social Security taxation. The exact math.
Plan your retirement with confidence
Free dashboard with success rate, metrics, and projection chart. Upgrade to Pro for all 17 tools, unlimited scenarios, and PDF exports.
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