FIncoming: Retirement Planner

iPhone-native retirement planning you'll actually use. Pull a lever and watch your plan flip from Locked to Viable in real time. Roth, RMDs, Social Security. On-device.

FIncoming is one of the easiest ways to iterate on retirement scenarios — and it's built to feel right at home on iPhone. Set up your household once, then start exploring: pull a lever — your retirement age, when you claim Social Security, how much you save or spend — and watch every projected number respond instantly, right under your thumb. "What if I retired two years earlier?" is a single tap away.

It handles the details simpler calculators skip:

• Federal, state, IRMAA, and Medicare premiums year by year — including required minimum distributions (RMDs)
• Per-spouse retirement ages, Social Security claims, and lifespans
• Roth conversion bracket-filling with IRMAA tier avoidance
• Rule of 55 and 72(t)/SEPP to bridge the years before 59½
• Monte Carlo probability across 500 stressed market sequences

Compare two plans side by side for free. Upgrade to save up to five named scenarios, so you never lose a version you liked.

FREE INCLUDES

• Tax-aware projection engine (federal, state, IRMAA, Medicare)
• Monte Carlo probability scoring across 500 stressed runs
• 5 core levers (retire age, SS claim, savings, spending, return)
• Quick and Custom data entry — enter every input in as much detail as you want
• Year-by-year color chart
• Built-in disclaimers; no advisor relationship

PREMIUM UNLOCKS

• Bridge to 59½: Rule of 55 + 72(t)/SEPP modeled per-spouse
• 7 additional planning levers
• Portfolio-driven spending: VPW, Yale endowment, Guyton-Klinger
• Roth bracket-filling and IRMAA tier optimization
• Year-by-year drill-down: income, taxes, withdrawals
• Up to 5 named scenarios with side-by-side compare
• Stress-test scenarios beyond Monte Carlo
• Face ID app lock

YOUR DATA STAYS ON YOUR DEVICE No accounts. No cloud sync. No analytics that identify you or your plan. Delete the app and your data is gone for good.

PRICING

• Day pass: $4.99 (24 hours, one-time)
• Annual: $29.99/year (auto-renews)
• Lifetime: $99.99 (one payment, all future updates)

DISCLAIMER FIncoming is a planning tool, not financial advice. Projections are estimates based on the inputs and assumptions you provide. Tax calculations are simplified models, not tax preparation. Consult a financial advisor or tax professional before making major decisions.