什麼是 CoastIQ？
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.
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