Retirement Distribution Calculator Tool

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Retirement Distribution Calculator Tool

Inspired by a conversation on:

Sound Investing

Sound Investing

Retirement Distributions: All S&P 500 vs. 60/40 Portfolio

Host: Paul Merriman

Timestamp: 00:13:10 - 00:14:09

Listen to Episode • View Podcast • All Ideas from Sound Investing

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Feather Flow

Direct Quote

"On our website, we have probably 100 tables that reflect the implications of taking money out of your investments in retirement."

Market Gap

Retirees struggle to determine safe withdrawal rates from investments.

Many retirees face confusion over how much they can safely withdraw from their investment portfolios without running out of money. This is especially critical as they transition from accumulating wealth to drawing down their savings. Current tools often provide general advice but lack personalized, detailed analyses based on historical data tailored to individual circumstances. Without accurate calculations, retirees risk depleting their funds too early, leading to financial insecurity in their later years. There is a growing demand for more sophisticated retirement planning tools that can address these concerns and offer tailored solutions.

Summary

Develop a web-based Retirement Distribution Calculator that utilizes historical data to provide personalized withdrawal strategies for retirees. This tool would allow users to input their investment amounts, desired withdrawal rates, and other financial parameters to simulate outcomes based on historical market performance. It could highlight potential risks and variations in withdrawal strategies (fixed vs. variable) while adjusting for inflation. By providing a clear visualization of how long their funds may last under different scenarios, this tool would empower users to make informed decisions about their retirement spending. Similar to the tables discussed in this podcast, the tool would leverage data from decades of market performance to enhance user confidence in their financial planning.

Categorization

Business Model
SaaS
Target Founder
Technical
Difficulty
Medium
Time to Revenue
< 1 month
Initial Investment
$1,000-$10,000

Potential MRR (18-24 months)

Conservative
$2,000 - $5,000 MRR
Moderate (Most Likely)
$5,000 - $10,000 MRR
Optimistic
$10,000 - $20,000 MRR

* Estimates assume solo founder/bootstrap scenario with competent execution

Scores

Clarity
8/10
Novelty
7/10
Feasibility
6/10
Market Potential
8/10
Evidence
7/10
Overall
7/10
Found on September 24, 2025 • Analyzed on September 24, 2025 6:01 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:

  1. Customer interviews: Talk to Technical to understand their pain points
  2. MVP approach: Build a simple landing page to test demand
  3. Competitor analysis: Research existing solutions and identify gaps

Would you like me to help you create a specific validation plan for your medium difficulty idea?

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 < 1 month, 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

I can help you create a detailed technical roadmap and resource allocation plan...

2:37 PM

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