FIncoming: Retirement Planner
Roth, RMD & what-if calculator
About
Explore retirement scenarios with a powerful calculator. Adjust variables like retirement age, savings, and spending to see instant projections. Handles complex tax details, including RMDs and Roth conversions, with advanced probability analysis.
What's New in FIncoming
1.0.1
July 10, 2026
This update fixes a bug in Guyton-Klinger guardrails spending. In some multi-year projections, spending could drift lower than it should in later years — especially for a surviving spouse. Guardrails projections are now accurate. Thanks for using FIncoming. Have a question or an idea for what to build next? We'd love to hear from you.
MoreSubscription plans
Annual access
Full access for one year. Auto-renews
In-App Purchases
$4.99
Day pass
Full access for 24 hours.
FAQ
What is FIncoming?
FIncoming is a retirement planning tool designed for iPhone and iPad. It allows users to explore various retirement scenarios by adjusting factors like retirement age, Social Security claims, savings, and spending, and instantly see projected financial outcomes.
What are the pricing options for FIncoming?
FIncoming offers a day pass for $4.99, an annual subscription for $29.99/year, and a lifetime purchase for $99.99. The free version includes core projection features and Monte Carlo scoring.
Does FIncoming offer a free trial?
The app is free to download and use with core features. Premium features can be unlocked with a 24-hour day pass, an annual subscription, or a lifetime purchase, offering different levels of access to advanced planning tools.
How does FIncoming handle taxes and RMDs?
FIncoming provides tax-aware projections, including federal, state, IRMAA, and Medicare premiums year by year. It also handles required minimum distributions (RMDs) and Roth conversion bracket-filling with IRMAA tier avoidance.
Is my financial data safe with FIncoming?
Yes, your data stays on your device. FIncoming does not use accounts, cloud sync, or analytics that identify you or your plan. Deleting the app removes your data permanently.
What advanced planning features are available in FIncoming Premium?
Premium unlocks features like bridging to age 59½ (Rule of 55 + 72(t)/SEPP), 7 additional planning levers, portfolio-driven spending, Roth bracket-filling optimization, year-by-year drill-down, up to 5 named scenarios, and stress-test scenarios beyond Monte Carlo.
What is the age rating for FIncoming?
FIncoming has an age rating of 4+, making it suitable for a wide range of users. It is designed for individuals planning their retirement.
How often is FIncoming updated?
The latest version is 1.0.1, and the app was last updated on July 10, 2026. This indicates a recent update, suggesting ongoing development and support for the application.