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Retirement Calculator: CoastIQ

Retirement Calculator: CoastIQ

FIRE & 401k Planner, Net Worth

3 ratings
3 reviews
💰 Finance
Free
In-App Purchases

Details

  • Released
  • Updated
  • April 21, 2026
  • July 22, 2026

Features

Developer

Solid Code
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About

This app uses advanced simulations to predict your retirement readiness. It analyzes your financial data against historical market conditions to estimate your FIRE date, success rate, and offers personalized suggestions for optimizing your retirement plan.

✓Monte Carlo simulation engine
✓FIRE countdown and success rate
✓Net worth projection with confidence bands
✓Personalized retirement suggestions
✓Historical backtesting
✓Roth conversion optimization
✓Social Security optimization
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What's New in Retirement Calculator

1.0.9

July 22, 2026

Close the Gap: if your plan looks at risk, see the smallest change — retire later, spend less, or save more — that gets you back on track. Plus a new CoastIQ Lifetime option (pay once, keep Pro forever), clearer next steps throughout, and fixes for moving between tools and saving your account balances.

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Subscription plans

CoastIQ Pro (Annual)

17 tools, scenarios, PDF. Save 50%.

$29.991 Year
7 Days trial
How to cancel Retirement Calculator subscription ⁉️

Events

Read more about CoastIQ Launch
Event EndedPremiere

CoastIQ Launch

Tax-smart retirement planning, now on your phone

Apr 29, 2026 — May 30, 2026

Read More

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User reviews

Most RecentHighest RatedLowest Rated

App

I think this app is very useful for everyone because it helps us
understand how financially prepared we are for retirement and Also suggests the changes we need to make. I think it is a very good app. Thank you.
Sandra Expósito GarcíaSandra Expósito García

Great

This seems like a great app so far. I am excited to keep using it.
PianoGirl2324PianoGirl2324

Response from developer

Thank you so much!

Good Info

Very limited access with free version, but can easily see projected money available at retirement, and can adjust projection based on changes in income and how much you plan to save.
NatanoleNatanole

Response from developer

Thank you for your feedback! It means a lot to us. We hope you still found the app useful.

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FAQ

What is the main purpose of CoastIQ?

CoastIQ is designed to answer the question 'Can I actually retire?' by using sophisticated Monte Carlo simulations and historical market data to project your retirement readiness and FIRE date. It provides detailed analysis beyond simple calculations.

How does CoastIQ use simulations for retirement planning?

CoastIQ runs Monte Carlo simulations against over 1,000 historical market scenarios dating back to 1871. This approach tests your financial plan's resilience under various market conditions to provide a realistic success rate for your retirement.

What kind of personalized suggestions does CoastIQ offer?

Based on your financial data and simulation results, CoastIQ can offer personalized suggestions such as optimizing Social Security claiming ages, recommending Roth conversions, or adjusting spending flexibility. These insights aim to improve your retirement outlook.

Does CoastIQ handle complex tax scenarios?

Yes, CoastIQ features a full tax modeling system that includes federal and state income tax, capital gains, Social Security taxation, IRMAA surcharges, ACA subsidy phase-outs, and Required Minimum Distributions. It aims for accurate, real-world tax calculations.

Is CoastIQ available on multiple devices?

CoastIQ is available on iPhone and iPad, supporting Apple's mobile and tablet platforms. All your financial data is stored locally on your device for enhanced privacy.

What are the differences between the free and Pro versions of CoastIQ?

The free tier of CoastIQ provides access to the full dashboard, Monte Carlo projections, and 3 analysis tools. CoastIQ Pro unlocks all 17 analysis tools, unlimited scenario creation, and PDF report export for more comprehensive planning.

Does CoastIQ have ads?

No, CoastIQ is built for privacy and explicitly states it has no ads. Your financial data remains on your device and is not used for advertising purposes.

How often is CoastIQ updated?

The latest version of CoastIQ is 1.0.5, which was last updated on May 26, 2026. While this is a recent update, the frequency of future updates will depend on the developer's release schedule.