Intelligent Retirement Simulator: A 2026-focused FIRE calculator built to expose the hidden flaw of "average market returns." Features precise monthly compounding, custom lifestyle tiers, and a dynamic Safety Margin slider to stress-test your portfolio against real-world volatility.
Hey Product Hunt! 👋
I built RetireLogic.io out of sheer frustration with traditional retirement planning tools.
Most basic FIRE calculators use flat "average" annual returns, assuming the market moves in a perfect, predictable line. But real life doesn't work that way. If the market hits a major correction in the first few years of your retirement, "average return" math completely breaks down due to Sequence of Returns Risk (SORR).
I wanted an engine that handles the hard truth. RetireLogic includes:
Dynamic Market Stress Testing: Slide your safety margin to simulate immediate market corrections.
Precision Compounding: Built on monthly compounding rather than yearly logic to mirror real-world accounts.
Lifestyle Tiers: Easily toggle between Lean, Standard, Fat, and Coast FIRE.
The site is 100% free, responsive, and completely educational. I'm eager to hear your thoughts, especially from the math and finance enthusiasts in the community. What edge-case features should I build into the math engine next?
Thanks for checking it out!
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