Been building a retirement simulator on the side for a while. The thing that kept bothering me about existing tools is they all assume normally distributed returns - which makes the math clean but quietly underestimates how bad bad years can be.
Launching Retirement Lab soon. Happy to answer questions about the math or the approach while I get ready.
Most retirement calculators assume markets follow a bell curve - which systematically underestimates tail risk, exactly when it matters most.
Retirement Lab uses fat-tail distributions instead, so extreme years appear at roughly the rate real markets produce them. Correlated asset returns, multiple withdrawal strategies, historical backtesting and black swan events at specific ages.
1,000 scenarios free.
Built by a solo developer who got tired of optimistic retirement math.
