Retirement Calculator: CoastIQ

Retirement Calculator: CoastIQ

Countdown, 401k & FIRE Planner

9 ratings
8 reviews
Free
In-App Purchases

Details

Released
April 21, 2026
Updated
October 17, 2026

Features

Retirement Calculator: CoastIQ screenshot #1 for iPhone
Retirement Calculator: CoastIQ screenshot #2 for iPhone
Retirement Calculator: CoastIQ screenshot #3 for iPhone
Retirement Calculator: CoastIQ screenshot #4 for iPhone
Retirement Calculator: CoastIQ screenshot #5 for iPhone
Retirement Calculator: CoastIQ screenshot #6 for iPhone
Retirement Calculator: CoastIQ screenshot #7 for iPhone
iphone
ipad
🖼️Get Icon
Icons↘︎

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
Show original description

What's New in Retirement Calculator

1.0.12

October 17, 2026

Every number in CoastIQ now agrees with itself and says how it was calculated: • One success rate everywhere: the dashboard, your results and every tool use the same simulation. • % funded and Safe Withdrawal show what they are based on. • Social Security delay estimates follow SSA rules, and the tool no longer fills in a benefit you didn't enter. • Close the Gap matches your dashboard. • Income and expenses you add now start at the right age, and Monthly/Annual switching keeps your amount intact. • Cents display correctly in every number format. • Clear confirmation when you set a new retirement age, one Done button over the keyboard, and an easier-to-tap Skip on the upgrade screen.

More
2

Subscriptions & In-App Purchases

CoastIQ Pro (Annual)

17 tools, scenarios, PDF. Save 50%.

$59.991 Year
7 Days trial
How to cancel Retirement Calculator subscription ⁉️

Events

Read more about CoastIQ Launch

CoastIQ Launch

Tax-smart retirement planning, now on your phone

Apr 29, 2026 — May 30, 2026

User reviews

Very Helpful for Retirement Planning

CoastIQ makes retirement planning feel much easier and less complicated. I like how clearly it shows my financial information and helps me understand different possibilities for the future. The design is simple, smooth, and easy to navigate. A very helpful app for anyone planning ahead!

Helpful Retirement Planning Tool

A very useful and easy -to-use calculator for planning retirement. It helps make financial goals easier to understand and gives a clear picture of saving.

Recommended for everyone

A really helpful app for planning retirement and understanding my financial future. I like how simple and clear everything is. It makes retirement planning much easier and less confusing. Definitely recommend it

Extremely Useful for Retirement Planning

CoastIQ is one of the most useful retirement planning tools I’ve come across. What I really like is how it turns financial information into clear, easy-to-understand calculations and projections. The interface is clean and simple, making it easy to understand where you stand and plan ahead with more confidence. A great app for anyone who wants to take retirement planning seriously and make smarter financial decisions for the future.
Show more

A great tool for Retirement planning

I’m really impressed with this app. It makes retirement planning feel much simpler and less overwhelming. I especially like how clearly it shows your progress and lets you explore different scenarios for the future. The design is clean, easy to use, and the information feels practical rather than complicated. It’s a great tool for anyone who wants to understand their finances better and make smarter decisions about retirement. Definitely worth trying!
Show more

Developer apps

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.