# Retirement Calculator: CoastIQ — Countdown, 401k & FIRE Planner

> Retirement and FIRE planner with Monte Carlo simulations and tax analysis. (iPhone/iPad app by Solid Code.)

- Source: https://appshunter.io/ios/app/retirement-calculator-coastiq/id6762349172 (this page in markdown: same URL + `.md`)
- Developer: [Solid Code](https://appshunter.io/developer/1893893907)
- Category: Finance
- Price: Free with in-app purchases
- Rating: 3.80/5 from 4 App Store ratings · 3 written reviews indexed
- Age rating: 4+
- Requires: iOS 17.0 · 12 MB
- Languages: American English
- Released: 2026-04-21
- Data updated: 2026-08-31
- Monetization: freemium
- User reviews in markdown: https://appshunter.io/ios/app/retirement-calculator-coastiq/id6762349172/reviews.md

## What is Retirement Calculator?

Can I actually stop working? CoastIQ gives you the verdict — the year you can retire and the odds you stay retired — from math, not guesses.

Enter your accounts, income, and expenses. CoastIQ runs Monte Carlo simulations across every historical market since 1871 and hands you the number: your FIRE date, your success rate, and exactly what to change if the answer is "not yet."

RETIREMENT PLANNING THAT ACTUALLY WORKS
• Monte Carlo simulation engine tests your plan against 1,000+ historical scenarios
• FIRE countdown shows years to retirement and how funded you are
• Net worth projection with P10–P90 confidence bands
• Personalized suggestions: "Consider Roth conversions" or "Delay Social Security"

17 ANALYSIS TOOLS — NOT JUST A CALCULATOR
• Historical Backtest — test against every starting year since 1871
• Roth Conversion Optimizer — find the exact amount to convert each year
• Social Security Optimizer — compare claiming at 62, 67, or 70
• Estate Planning — net legacy, step-up basis, heir tax burden
• Bear Market Stress Test — what if markets drop 40% tomorrow?
• Tax Analytics — lifetime effective rate and bracket analysis
• Spending Flexibility — how much can you safely cut or increase?
• RMD Projection — required minimum distributions over time
• Geographic Arbitrage — compare lifetime taxes across states
• Annuity Quote — estimate SPIA payouts for guaranteed income
• 72(t) Early Access — penalty-free SEPP distributions before 59½
• Retirement Date Finder — earliest age you can retire with confidence

WHAT-IF SCENARIOS
Create unlimited scenarios — retire 2 years early, move states, save more, spend less. Compare them side by side with different success rates, legacy amounts, and tax burdens.

FULL TAX MODELING
Federal + state income tax, capital gains (short/long-term), Social Security taxation, IRMAA surcharges, ACA subsidy phase-outs, and Required Minimum Distributions. Not a rough estimate — the real math.

8 WITHDRAWAL STRATEGIES
Constant dollar, constant percentage, guardrails, floor-and-ceiling, bond tent, bucket, endowment, and required minimum. Each modeled year-by-year through retirement.

COUPLES & SURVIVOR PLANNING
Joint and survivor modeling with separate accounts, Social Security claiming ages, and estate transfers. See what happens to the surviving spouse's plan.

BUILT FOR PRIVACY
All data stays on your device. No account required. No tracking. No ads. Your financial data never leaves your iPhone or iPad.

—
CoastIQ Pro unlocks all 17 tools, unlimited scenarios, and PDF report export. Free tier includes the full dashboard, Monte Carlo projections, and 3 analysis tools.

Terms of use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

## Key features

- 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

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| CoastIQ Pro (Annual) | $29.99 | per year |
| CoastIQ Pro (Monthly) | $4.99 | per month |


## Recent user reviews (3 of 3)

All indexed reviews: https://appshunter.io/ios/app/retirement-calculator-coastiq/id6762349172/reviews.md

### 5/5 — App

*2026-07-22*

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.

**Developer response:** Thank you so much.

### 5/5 — Great

*2026-07-17*

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

**Developer response:** Thank you so much!

### 4/5 — Good Info

*2026-04-27*

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.

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

## Frequently asked questions about Retirement Calculator

### 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.

## Version history (last 5 releases)

### 1.0.11 — 2026-08-19

Your results screen now shows what comes next: see the year-by-year path behind your number, change an assumption and watch your date respond, and update balances anytime — your plan recalculates.

Also: a cleaner, easier-to-read upgrade screen, and an optional monthly reminder to re-check where your plan stands.

### 1.0.10 — 2026-08-11

A friendlier first run: continuing with the Free Plan is now a clear, visible choice during setup, and CoastIQ waits until it has actually done something useful for you before asking for a rating.

### 1.0.9 — 2026-07-22

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.

### 1.0.7 — 2026-07-17

Bug fixes and improvements.

### 1.0.6 — 2026-07-16

Bug fixes and improvements.

## More apps by Solid Code

- [Storage Cleaner: Orden](https://appshunter.io/ios/app/storage-cleaner-orden/id6766837669)
- [Pool Chemical Calculator Pro](https://appshunter.io/ios/app/pool-chemical-calculator-pro/id6776127766)

All apps by Solid Code: https://appshunter.io/developer/1893893907

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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 2026-08-31.*