Automated Retirement Planning Tool

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Automated Retirement Planning Tool

Inspired by a conversation on:

Catching Up to FI

Catching Up to FI

How A Single Mom Reached F.I.R.E. by 49 | Jackie Cummings Koski | 173

Host: Bill Yount & Jackie Cummings Koski

Timestamp: 00:29:22 - 00:30:08

Listen to Episode • View Podcast • All Ideas from Catching Up to FI

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Feather Flow

Direct Quote

"The widely known number is your financial independence number... that's 25 times your annual expenses."

Market Gap

Individuals struggle to calculate their financial independence number and retirement savings goals.

Many people lack clarity on what they need to save for retirement and how to calculate their financial independence number (FIN). The common formula of 25 times annual expenses can be confusing for those who haven't been educated on personal finance. Additionally, people often do not know how to incorporate their income, expenses, and investment growth into a cohesive plan. An automated tool that simplifies the process of calculating one's FIN and provides actionable savings strategies could empower users to take control of their financial future, leading to better retirement outcomes.

Summary

An automated online tool that helps users calculate their financial independence number based on their annual expenses and provides a savings plan to achieve that goal. By entering their income, current savings, and expenses, users can receive personalized recommendations on how much to save monthly and which investment vehicles to use. This tool can help demystify retirement planning for individuals who may feel lost in the process and offer them a clear path to financial independence. It could also include educational resources on investment strategies, budgeting, and market trends.

Categorization

Business Model
SaaS
Target Founder
Generalist
Difficulty
Medium
Time to Revenue
3-6 months
Initial Investment
$1,000-$10,000

Potential MRR (18-24 months)

Conservative
$2,500 - $6,000 MRR
Moderate (Most Likely)
$12,000 - $25,000 MRR
Optimistic
$40,000 - $70,000 MRR

* Estimates assume solo founder/bootstrap scenario with competent execution

Scores

Clarity
9/10
Novelty
6/10
Feasibility
8/10
Market Potential
8/10
Evidence
8/10
Overall
7.8/10
Found on October 19, 2025 • Analyzed on October 19, 2023 12:04 PM

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2:34 PM

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

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