# FIncoming: Retirement Planner — Roth, RMD & what-if calculator

> Retirement planning calculator for exploring scenarios and tax implications. (iPhone/iPad app by John Oostema.)

- Source: https://appshunter.io/ios/app/fincoming-retirement-planner/id6770334797 (this page in markdown: same URL + `.md`)
- Developer: [John Oostema](https://appshunter.io/developer/1896734396)
- Category: Finance
- Price: Free with in-app purchases
- Rating: 5.00/5 from 2 App Store ratings
- Age rating: 4+
- Requires: iOS 17.0 · 3 MB
- Languages: American English
- Released: 2026-06-12
- Data updated: 2026-09-09
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/fincoming-retirement-planner/id6770334797/reviews.md

## What is FIncoming?

FIncoming is one of the easiest ways to iterate on retirement scenarios — and it's built to feel right at home on iPhone. Set up your household once, then start exploring: pull a lever — your retirement age, when you claim Social Security, how much you save or spend — and watch every projected number respond instantly, right under your thumb. "What if I retired two years earlier?" is a single tap away.

It handles the details simpler calculators skip:
- Federal, state, IRMAA, and Medicare premiums year by year — including required minimum distributions (RMDs)
- Per-spouse retirement ages, Social Security claims, and lifespans
- Roth conversion bracket-filling with IRMAA tier avoidance
- Rule of 55 and 72(t)/SEPP to bridge the years before 59½
- Monte Carlo probability across 500 stressed market sequences

Compare two plans side by side for free. Upgrade to save up to five named scenarios, so you never lose a version you liked.

FREE INCLUDES
- Tax-aware projection engine (federal, state, IRMAA, Medicare)
- Monte Carlo probability scoring across 500 stressed runs
- 5 core levers (retire age, SS claim, savings, spending, return)
- Quick and Custom data entry — enter every input in as much detail as you want
- Year-by-year color chart
- Built-in disclaimers; no advisor relationship

PREMIUM UNLOCKS
- Bridge to 59½: Rule of 55 + 72(t)/SEPP modeled per-spouse
- 7 additional planning levers
- Portfolio-driven spending: VPW, Yale endowment, Guyton-Klinger
- Roth bracket-filling and IRMAA tier optimization
- Year-by-year drill-down: income, taxes, withdrawals
- Up to 5 named scenarios with side-by-side compare
- Stress-test scenarios beyond Monte Carlo
- Face ID app lock

YOUR DATA STAYS ON YOUR DEVICE
No accounts. No cloud sync. No analytics that identify you or your plan. Delete the app and your data is gone for good.

PRICING
- Day pass: $4.99 (24 hours, one-time)
- Annual: $29.99/year (auto-renews)
- Lifetime: $99.99 (one payment, all future updates)

DISCLAIMER
FIncoming is a planning tool, not financial advice. Projections are estimates based on the inputs and assumptions you provide. Tax calculations are simplified models, not tax preparation. Consult a financial advisor or tax professional before making major decisions.

## Key features

- Retirement scenario exploration
- Tax-aware projections (federal, state, IRMAA, Medicare)
- Required Minimum Distribution (RMD) calculations
- Roth conversion optimization
- Monte Carlo probability analysis
- Side-by-side plan comparison

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Annual access | $9.99 | per year |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Lifetime access | $39.99 | one-time |
| Day pass | $4.99 | one-time |



## Frequently asked questions about FIncoming

### 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.

## Version history (last 2 releases)

### 1.0.1 — 2026-07-10

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.

### 1.0 — 2026-06-12

No release notes.

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-09.*