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.
1.0.7
July 17, 2026
Bug fixes and improvements.
17 tools, scenarios, PDF. Save 50%.
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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.
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.
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.
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.
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.
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.
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.
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.
