CoastIQ
The only retirement calculator that gets your taxes right
CoastIQ launched on June 3, 2026 with 3 votes, #6,658 of 22,647 launches that month and more than 50% of that year's launches.
What it does
CoastIQ is a retirement planning calculator built for the FIRE community. Unlike every other calculator that uses flat tax estimates, CoastIQ models your actual taxes — marginal federal brackets, capital gains stacking, Social Security taxation, NIIT, FICA, IRMAA, and state-level taxes. Features Monte Carlo simulation with 1,000+ parallel trials, Roth conversion optimizer, historical backtesting since 1871, and 17 analysis tools. 100% on-device — no cloud, no accounts, no data collection.
Tax-accurate retirement projections with Monte Carlo simulation, Roth conversion optimization, and 17 analysis tools. All on-device, zero data collection.
The only iOS calculator that does marginal tax brackets, capital gains stacking, and Social Security taxation correctly. 17 analysis tools. Zero data collection. No App Store competitor does tax math correctly. CoastIQ does. Marginal federal brackets, capital gains stacking, Social Security taxation, NIIT, state taxes, FICA, and IRMAA — computed correctly. 1,000+ trial parallel simulation with correlated stock/bond returns and historical backtesting from 1928 to today. Bracket-filling strategy that respects ACA subsidies and IRMAA thresholds. Year-by-year conversion plan with incremental tax. All computation happens on your iPhone or iPad. No cloud, no accounts, no data collection. Your…from coastiq.org
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