Retirement Calculator: CoastIQ

Run one simulation and get your verdict: the year you can stop working — or how far off you are. Monte Carlo math across every historical market since 1871.

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.

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