See exactly when your retirement money runs out.
Other retirement calculators give you a probability. We give you the exact year your money runs out, plus saved plans, share links, and a CFP-ready PDF.
Bring a friend who'd use this — each signup pulls the launch closer.
$4.99 lifetime · or $19 / month SaaS · no charge today
Try the inputs · live recompute
Built by someone who already shipped 30+ tools
For a sense of what shipped looks like: relly.permissionlabs.com ↗
Decompound, in four moves.
Click any card to jump to its deep dive below.
Built for these decisions.
If any of these are your question, this is the tool.
Will my plan survive a 2008?
→ Run it. See the year-by-year balance and where the cliff is.
What withdrawal rate actually works for 40 years?
→ Slide the rate. See the cliff edge slide too.
Should I cut withdrawals next year?
→ Test the cut. See how many years it adds.
Why is their plan different from mine?
→ Side by side. Both plans charted. No spreadsheets.
Compound calculators stop where retirement starts.
Every compound interest calculator out there assumes you keep adding money in. That's not retirement. In retirement you're decompounding: pulling cash out each month while the rest tries to keep growing. The 4% rule gives you one number; it doesn't show you the year-by-year drawdown, what happens if 2008 hits in year 3, or whether your nest egg actually outlives you.
Four pieces, one tool.
Each piece ships in the first build for waitlist members. SaaS upgrades layer on top.
Year-by-year drawdown
Type your nest egg, expected return, and monthly withdrawal. Watch the balance curve fall, year by year, with a red marker on the exact year your money runs out. Most calculators give you one number. This gives you the whole story.
Stress-test against real market crashes
Run your plan against 2008, the dot-com bust, and 1970s stagflation. Same withdrawals, different markets. See exactly where the plan breaks and where it survives.
Inflation drift, not flat assumptions
Withdrawal grows each year so groceries stay the same. Cliff edge moves left or right in real time as you change inflation. Most tools assume flat, that's a 7-year mistake.
Saved scenarios + advisor-grade PDF
Save plans, name them, share with your advisor by link. Export a clean PDF report that reads like a CFP document, not a screenshot. SaaS upgrade tier.
- Default planSurvives 40y
- 2008 stressYear 17
- Aggressive drawYear 11
- ConservativeSurvives 40y
- + Save current scenarioSaaS
The free tools don't do this.
A wrong withdrawal rate by 0.5% costs 7–10 years of runway. A CFP consultation is $200~500/hour. One bad assumption costs more than this tool ever will.
Full calculation tool with stress tests against 2008, dot-com, and 1970s. Year-by-year drawdown with exact failure year. Inflation drift slider.
Saved scenarios, share-with-advisor link, advisor-grade PDF export. SaaS tier ($19/mo).
Personalized financial advice. This is a tool, not a CFP. For actual planning decisions, see a licensed advisor.
Which price would get you on the waitlist?
No charge today. The click tells me which tier is real demand. Early access price ≠ launch price.
Want this built?
Drop your email. No charge, no spam. You're saying "yes, I'd actually use this" — that's the signal I'm looking for.
Hi, I'm Hyunyoung.
Solo builder · Choppy Toast
This page is a quick vibe-coded probe to test demand and gather feature requests. The actual product, when it ships, will be a polished, hand-built tool — not this scaffold.
For a sense of what "polished and shipped" looks like, here's another product I built: relly.permissionlabs.com.
Honest answers.
Then I wait. The waitlist stays live forever, no expiry, no archive. The faster you tell friends who'd use this, the faster it ships. That's the whole engine.
More upcoming tools.
5 more on the waitlist and I build this.
No charge today. Drop your email, lock in the early-access price, and you hear first when it ships.
Built by a real person. No silent vaporware.