Retirement Cost Calculator Tool

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Inspired by a conversation on:

The Clark Howard Podcast

09.24.25 The Geography Of Retirement / Fast Food Value Wars

Host: Clark Howard

Timestamp: 00:01:03 - 00:03:12

Listen to Episode • View Podcast • All Ideas from The Clark Howard Podcast

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Direct Quote

"There's such a giant difference in what it costs from one place to another."

Market Gap

Individuals lack clarity on retirement living costs in different states.

Planning for retirement can be overwhelming, especially when trying to determine the amount of money needed to live comfortably. A significant factor influencing this amount is the geographical location, as living expenses can vary drastically from one state to another. Many individuals are unaware of how much they will actually need based on where they choose to live, which can lead to inadequate savings and financial stress in retirement. Current resources do not provide personalized insights or comparisons, and many people are not considering the geographical cost differences when planning their retirement budgets. Without a clear understanding, individuals may end up choosing locations that stretch their finances thin or miss out on more affordable options.

Summary

This business idea involves creating a web-based tool or mobile application that allows users to calculate their projected retirement expenses based on their desired location. Users would input their current savings, expected retirement age, and lifestyle choices (such as housing, healthcare, and leisure activities) to receive a tailored estimate of how much they will need to retire comfortably in various states. The tool could incorporate real-time data on living costs, healthcare expenses, taxes, and other financial considerations, providing users with a clear comparison of different retirement locations. This service would target individuals who are planning for retirement and are looking for accurate, location-based financial insights to help them make informed decisions about their future.

Categorization

Business Model

SaaS

Target Founder

Subject Matter Expert

Difficulty

Medium

Time to Revenue

6-12 months

Initial Investment

$1,000-$10,000

Potential MRR (18-24 months)

Conservative

$1,000 - $3,000 MRR

Moderate (Most Likely)

$4,000 - $8,000 MRR

Optimistic

$10,000 - $20,000 MRR

* Estimates assume solo founder/bootstrap scenario with competent execution

Scores

Clarity

8/10

Novelty

6/10

Feasibility

7/10

Market Potential

8/10

Evidence

7/10

Overall

7.2/10

Found on September 24, 2025 • Analyzed on September 24, 2025 12:03 PM

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How should I validate this saas idea before building it?

2:34 PM

Great question! For a saas idea like this, I'd recommend starting with these validation steps:

Customer interviews: Talk to Subject Matter Expert to understand their pain points
MVP approach: Build a simple landing page to test demand
Competitor analysis: Research existing solutions and identify gaps

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2:35 PM

Yes, and what about the technical implementation? Should I build this myself or hire a team?

2:36 PM

Based on your idea's complexity and 6-12 months, here's my recommendation:

Technical Strategy:

Start with no-code tools for rapid prototyping
Consider your technical background and available $1,000-$10,000
Plan for scalability from day one

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2:37 PM

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