Launching today
Yearfold
Honest retirement odds for one or two people. Free.
4 followers
Honest retirement odds for one or two people. Free.
4 followers
A free retirement calculator that runs 10,000 simulated futures on real market history and models couples as two people. Every assumption is published. No signup, no bank linking. Plus 11 free tools for Social Security, RMDs, IRMAA and more.
Payment Required
Launch Team
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Promoted
Hi Product Hunt! I'm Mindaugas, and I built Yearfold.com.
The question I kept asking about my own retirement was simple: "Will the money last?" The tools I found either gave one cheerful number from an average return, or wanted my bank login before showing anything.
So Yearfold.com:
ā Runs 10,000 futures from 1928ā2025 market history and shows the range, not one number
ā Treats a couple as two people: different ages, different claim ages, and what happens to the survivor
ā Publishes every assumption, with links to SSA, IRS and CMS
ā Works without an account. Your numbers stay in your browser unless you choose to save a plan
Free tools for single questions: Social Security break-even, RMDs (including the new inherited IRA rules), IRMAA, Roth conversion headroom and health insurance before 65.
If you want more, Pro ($99/yr) answers "how much can I spend this year?" and "which account first?", and Couples ($129/yr) adds survivor-aware Social Security for both of you. Both have a 14-day trial.
[One line in your own words on why you built it. A personal reason works best here.]
I'll be here all day. What would make this more useful for you?