coirestop

coirestop is a research instrument for understanding the structural forces that shape household wealth. It is not a budgeting app. It is not a portfolio tracker. It does not connect to your bank, broker, or credit card, and it does not give financial advice. It runs compound-growth simulations calibrated against published aggregate data and lets you see, in seconds, what the math would have given you under different starting conditions. WHAT YOU CAN DO • Compare five preset social-class profiles (Working, Working Middle, Middle, Upper-Middle, Top 1%) over horizons of 10, 20, 30, or 40 years. • Edit every input — income, expenses, savings rate, expected return, inheritance, education multiplier — and watch the resulting wealth gap update in real time. • Run an optional Monte Carlo layer (500 trials) to see the 10th, 50th, and 90th percentile bands instead of a single deterministic line. • Apply a tax layer (federal labor income, federal long-term capital gains, state and local) to model after-tax outcomes. • Save unlimited scenarios and revisit them from the Profile tab. • Export a snapshot of any chart to your Photos library. ORIGINAL EDITORIAL CONTENT The app ships with original content authored specifically for coirestop, not aggregated from generic personal-finance templates: • A 30-day rotating Daily Insight, one fresh thought per day, each backed by a cited statistic. • A Glossary of 31 wealth, behavioural, and macroeconomic terms, each with a short and a long definition. • A Reading List of 12 foundational books, including Piketty, Saez & Zucman, Smith, Kahneman, Stiglitz, Lanchester, Krugman, Malkiel, Scheidel, Stanley & Danko, Oliver & Shapiro, and Kay. • A Methodology page that explains exactly which equations the simulator solves and which it intentionally ignores (market crashes, layoffs, tax optimisation, sequence-of-returns risk, and so on). • A Real Data screen with 17 anchored statistics drawn from the Federal Reserve, the Bureau of Economic Analysis, the Bureau of Labor Statistics, FRED, and NBER. CITATIONS AND TRANSPARENCY Every claim in the app points back to a primary source: the Federal Reserve's Survey of Consumer Finances (SCF) and Distributional Financial Accounts (DFA), the Bureau of Economic Analysis, the Bureau of Labor Statistics, FRED, the Piketty, Saez & Zucman, and Chetty et al. research lines, and equivalent peer-reviewed work. The five default social-class templates reflect published median and top-decile values, not our opinion of what those households "should" earn. Where the model makes a choice the data does not strictly determine, the Methodology page says so. FINANCIAL CATEGORY DISCLOSURE coirestop is published in the Finance primary category. It is an educational and research tool. All numbers are illustrative. The app does not provide financial, investment, tax, legal, or insurance advice; does not facilitate the trading of any security, derivative, cryptocurrency, or foreign exchange; does not perform money transmission, payment processing, or wallet functions; and does not aggregate or display the balances, holdings, or transaction history of any real financial account. Always consult a qualified, licensed professional before acting on information that could materially affect your finances. PRIVACY coirestop is local-first. Your display name, your avatar, your saved scenarios, and your theme preference live in the iOS sandbox on your device and are never transmitted to a server we control or to any third party. The app integrates no analytics SDK, no advertising identifier, and no third-party tracking. Delete the app to delete your data. SUPPORT Email: [email protected]. We read every message and aim to reply within two business days.