CoastIQ
Tax-accurate iOS retirement calculator with Monte Carlo simulation, Roth conversion optimization, and 17 analysis tools. All on-device, zero data collection.
Cost / License
- Freemium (Subscription)
- Proprietary
Platforms
- iPhone
- iPad
CoastIQ
Features
Properties
- Privacy focused
Features
- No Tracking
- Cash Flow Analysis
- Ad-free
- Dark Mode
- Works Offline
- No registration required
- Taxes
CoastIQ information
What is CoastIQ?
CoastIQ is a retirement planning calculator for iPhone and iPad built for the FIRE (Financial Independence, Retire Early) community. It combines two core capabilities:
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Tax-Accurate Projections — Models marginal federal tax brackets, capital gains stacking, Social Security taxation, NIIT, FICA, IRMAA, and state-level taxes. No flat-rate estimates.
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Monte Carlo Simulation — 1,000+ parallel trials with correlated stock/bond returns and historical backtesting against every retirement year since 1871.
Additional features include Roth conversion optimizer (bracket-filling strategy respecting ACA subsidies and IRMAA thresholds), Social Security optimizer, estate planning, geographic arbitrage, 72(t) SEPP analysis, bear market stress test, and 11 more analysis tools (17 total).
All computation runs on-device. No cloud, no accounts, no data collection.
