Retirement Calculator: CoastIQ
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| Rating | |||
|---|---|---|---|
| United States | 80%4 | 3.75 | |
| Kazakhstan | 20%1 | 5.00 | |
| United Arab Emirates | <1%0 | — | |
| Afghanistan | <1%0 | — | |
| Antigua And Barbuda | <1%0 | — | |
| Anguilla | <1%0 | — | |
| Albania | <1%0 | — | |
| Armenia | <1%0 | — | |
| Angola | <1%0 | — | |
| Argentina | <1%0 | — |
Description
Can I actually stop working? CoastIQ gives you the verdict — the year you can retire and the odds you stay retired — from math, not guesses.
Enter your accounts, income, and expenses. CoastIQ runs Monte Carlo simulations across every historical market since 1871 and hands you the number: your FIRE date, your success rate, and exactly what to change if the answer is "not yet."
RETIREMENT PLANNING THAT ACTUALLY WORKS
Monte Carlo simulation engine tests your plan against 1,000+ historical scenarios
FIRE countdown shows years to retirement and how funded you are
Net worth projection with P10–P90 confidence bands
Personalized suggestions: "Consider Roth conversions" or "Delay Social Security"
17 ANALYSIS TOOLS — NOT JUST A CALCULATOR
Historical Backtest — test against every starting year since 1871
Roth Conversion Optimizer — find the exact amount to convert each year
Social Security Optimizer — compare claiming at 62, 67, or 70
Estate Planning — net legacy, step-up basis, heir tax burden
Bear Market Stress Test — what if markets drop 40% tomorrow?
Tax Analytics — lifetime effective rate and bracket analysis
Spending Flexibility — how much can you safely cut or increase?
RMD Projection — required minimum distributions over time
Geographic Arbitrage — compare lifetime taxes across states
Annuity Quote — estimate SPIA payouts for guaranteed income
72(t) Early Access — penalty-free SEPP distributions before 59½
Retirement Date Finder — earliest age you can retire with confidence
WHAT-IF SCENARIOS
Create unlimited scenarios — retire 2 years early, move states, save more, spend less. Compare them side by side with different success rates, legacy amounts, and tax burdens.
FULL TAX MODELING
Federal + state income tax, capital gains (short/long-term), Social Security taxation, IRMAA surcharges, ACA subsidy phase-outs, and Required Minimum Distributions. Not a rough estimate — the real math.
8 WITHDRAWAL STRATEGIES
Constant dollar, constant percentage, guardrails, floor-and-ceiling, bond tent, bucket, endowment, and required minimum. Each modeled year-by-year through retirement.
COUPLES & SURVIVOR PLANNING
Joint and survivor modeling with separate accounts, Social Security claiming ages, and estate transfers. See what happens to the surviving spouse's plan.
BUILT FOR PRIVACY
All data stays on your device. No account required. No tracking. No ads. Your financial data never leaves your iPhone or iPad.
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CoastIQ Pro unlocks all 17 tools, unlimited scenarios, and PDF report export. Free tier includes the full dashboard, Monte Carlo projections, and 3 analysis tools.
Terms of use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/