FIncoming: Retirement Planner

Your Financial Independence is incoming. FIncoming is a tax-aware retirement scenario planner for iPhone — built for people approaching retirement, with no required subscription. Set up your household once. Then pull a lever — retire age, Social Security claim, savings, spending, Roth conversion, Pre-59½ access — and watch every projected number respond in real time. It models what simpler calculators leave out: • Federal, state, IRMAA, and Medicare premium impact, year by year • 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 Save up to 5 named scenarios. Compare Plan A to Plan B without losing either. 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. Deleting the app permanently deletes your data. 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.