Retirement Withdrawal Rate Calculation Tool

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Retirement Withdrawal Rate Calculation Tool

Inspired by a conversation on:

Investing With IBD

Investing With IBD

Ep. 338 How Tailored Is Your Retirement? Revisiting The 4% Rule.

Host: Justin Nielsen

Timestamp: 07:01 - 09:30

Listen to Episode • View Podcast • All Ideas from Investing With IBD

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Feather Flow

Direct Quote

"In my book, I emphasize that this is a process. It's not a search for a number that you can get one that fits all."

Market Gap

Individuals struggle to customize their retirement withdrawal rates effectively.

Many individuals face challenges when it comes to planning their retirement withdrawals. Retirement planning is not a one-size-fits-all situation; different factors such as asset allocation, personal circumstances, and market conditions heavily influence how much one can safely withdraw from their savings. Current tools often provide generic withdrawal rate calculations without considering individual variations. This can lead to insufficient funds during retirement or an excessive withdrawal rate that jeopardizes long-term financial health. With the increasing complexity of markets and personal finances, having a tailored withdrawal strategy is more critical than ever.

Summary

The idea is to develop a digital tool that helps individuals calculate personalized retirement withdrawal rates based on their unique circumstances. This tool would guide users through a series of questions regarding their financial situation, including current savings, expected retirement duration, asset allocation, and personal goals. By integrating advanced algorithms that account for fluctuating market conditions and inflation, the tool can provide customized withdrawal strategies that adapt over time. Users could receive updates and recommendations as their financial situations or market conditions change, ensuring they are always aligned with their retirement goals. Similar to the methodologies discussed by Bill Bengen in his book, the tool would emphasize the importance of a tailored approach rather than relying on generic percentage rates.

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
$4,000 - $10,000 MRR
Moderate (Most Likely)
$10,000 - $25,000 MRR
Optimistic
$30,000 - $50,000 MRR

* Estimates assume solo founder/bootstrap scenario with competent execution

Scores

Clarity
8/10
Novelty
7/10
Feasibility
8/10
Market Potential
8/10
Evidence
7/10
Overall
7.6/10
Found on September 18, 2025 • Analyzed on September 18, 2025 1:35 AM

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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 Generalist 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 3-6 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

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

2:37 PM

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