Accelerating erosion of ice-rich Arctic coastlines reflects the coupled action of wave-driven heat transfer and mechanical removal of thawed sediment, yet most numerical models of Arctic coastal erosion either parameterize thermal processes or omit the spatio-temporal heterogeneity of convective forcing at the water-permafrost interface. This study presents thermalFOAM (v1.0), an open-source parallel OpenFOAM® solver. Its two novel features are (i) a face-resolved, wave-aware convective boundary condition that applies a water- or air-side heat transfer coefficient to individual boundary cell faces according to the instantaneous free-surface elevation, and (ii) a thaw-gated ablation scheme that removes computational cells only once a thaw threshold is reached. The model resolves transient heat conduction and phase change using an apparent heat capacity formulation and temperature-dependent constitutive relations for unfrozen water content, thermal conductivity, and heat capacity. The water-surface elevation and convective forcing were prescribed from experimental measurements rather than hydrodynamically resolved; thermalFOAM therefore predicts thaw-limited niche development within the tested wave regime, not the full hydrodynamic-mechanical erosion chain. The solver is validated against twelve laboratory experiments with different wave heights, periods, and ice contents. Thermal performance shows strong agreement with measured temperature evolution (R 2 ≈ 0.90 for thaw timing; mean bias < 1 min), while morphological validation yields Nash–Sutcliffe efficiencies of ∼0.77 for niche deepening rate. Sensitivity analyses demonstrate nonlinear amplification of thermal perturbations through the thaw threshold and highlight strong dependence on mesh resolution. The thermalFOAM model provides a mechanistically grounded, experimentally validated thermal module suitable for integration into broader Arctic coastal modelling frameworks.