Show HN: I built a cash-flow simulator to explore when work becomes optional

1 point by deljo 1 week ago

I built this after finding that many retirement calculators start with a withdrawal percentage or target portfolio number, rather than the monthly costs people already understand.

The tool starts with savings, monthly take-home income and living expenses. It projects monthly cash flow, accounts for inflation assumptions, and lets you explore what happens if employment income stops or spending changes.

There's no signup or bank connection. You can also inspect the assumptions and try the career-break calculator if you're considering a temporary pause rather than permanently stopping work.

The forecast is deterministic, not a guarantee that someone's retirement is funded. It doesn't model unpredictable market returns, taxes or unentered costs.

I'd particularly appreciate feedback on the clarity of the results, the inflation assumptions, and which edge cases seem misleading.