Retirement Planning Simulation Tool

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Retirement Planning Simulation Tool

Inspired by a conversation on:

ChooseFI

ChooseFI

Safe Withdrawal Rates, Drawdown Strategies, RMDs and 50 Year FI Timelines

Host: Brad Barrett

Timestamp: 00:26:00 - 00:27:00

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Feather Flow

Direct Quote

"You don't need to set aside as much money for years 31 through 60."

Market Gap

Early retirees struggle to plan for long-term financial sustainability.

Individuals planning for early retirement face the unique challenge of ensuring their financial resources last for an extended period, often 40 to 60 years. Traditional retirement planning tools typically focus on 30-year horizons, which may not adequately prepare early retirees for the complexities of managing their portfolios long-term. Many lack the insight into how to adjust their withdrawal rates over a longer timeline while accounting for factors such as market volatility and changing expenses. Current solutions often fail to provide dynamic modeling that reflects the evolving nature of financial markets and personal circumstances. As a result, many early retirees may feel insecure about their financial future, fearing they may outlive their savings.

Summary

Create a retirement planning simulation tool that allows users to model different withdrawal strategies over extended time horizons, such as 40 to 60 years. This tool could help users visualize the impact of various factors, including market performance, inflation, and lifestyle changes, on their retirement savings. Users could input their portfolio composition, desired withdrawal rates, and other financial variables to generate simulations that show potential outcomes. By offering insights into safe withdrawal rates and dynamic spending strategies, the tool will empower early retirees to make informed decisions about their financial futures. The business could operate on a subscription model, providing users with ongoing updates and enhanced features.

Categorization

Business Model
SaaS
Target Founder
Technical
Difficulty
High
Time to Revenue
6-12 months
Initial Investment
$10,000+

Scores

Clarity
9/10
Novelty
8/10
Feasibility
5/10
Market Potential
8/10
Evidence
7/10
Overall
7.4/10
Found on September 8, 2025 • Analyzed on September 8, 2025 7:34 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 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 high 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 6-12 months, here's my recommendation:

Technical Strategy:

  • Start with no-code tools for rapid prototyping
  • Consider your technical background and available $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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