Foresight Planner - Stress-test your retirement against 125 years of market history
Show HN: I made a retirement simulator: 125 years of data, 25 countries
Foresight Planner is a free retirement simulator that tests your financial plan against real market data from 25 countries spanning 125 years. Unlike tools that rely on statistical averages, it uses actual historical scenarios to show how your portfolio would have fared through booms, busts, and everything in between. Get a quick estimate of your money's longevity in seconds, or dive into the detailed plan builder for a comprehensive stress test. Perfect for anyone serious about retirement planning, this beta tool offers insights that standard calculators miss.
A complete retirement planner that stress-tests your whole plan against a century of real market history, not a statistical average.
- bryanlarsen
It's really nice to see a simulator that removes the home country bias. So many of these types of simulations use American data. But that's pretty extreme cherry-picking: America has had a pretty exceptional run these last 100+ years. Any retirement simulator cannot assume that America's exceptional growth will continue. Maybe it will, but you cannot plan on a maybe.
- rachelb1331
I didn't want to put in my email address in order to access the detailed calculator... The quick check doesn't have nearly enough information to give anyone an idea of what actually to expect...
- bluGill
This doesn't know the important part. Will I live to 62 as the earliest of my ancestors died, or 98 as the latest? My family history is about average for lifespan but that is a big difference. If I live to 62 I should retire at 50 - or perhaps I shouldn't have bothered saving at all since the growth isn't there. Of medical advances make me love to 150 I should save until I'm 80 which will be a nice income to really enjoy the rest of my life.
I want more defined benefit accounts, but they are hard to find
- betaby
Better be safe I guess:
Foresight Planner is not yet available in your region.
We're launching in Canada (excluding Quebec) first. We don't yet support Quebec, because we don't yet offer the product in French. If you'd like us to let you know when we expand, email [email protected].
Foresight Planner n'est pas encore disponible dans votre région. Nous lançons d'abord au Canada (hors Québec). Pour être informé·e de l'élargissement de notre service, écrivez à [email protected].
Region: CA-QC
- fusslo
huh, yesterday I vibe coded a similar tool. It lets me set my current savings, investment, retirement. Expected yearly savings, expected number of years of work left. After retirement, only withdrawals are allowed (investments, savings still get returns tho)
Codex suggested a bunch of improvements: monte carlo, investment volatility, expense inflation, capital gains tax etc. One thing codex didn't ask about was social security. So that's another factor that could be improved.
I wanted to know 'do I really need to work 30 more years?'
What would be really interesting is discovering an attainable formula where my investments outpace my expenses. Or, what variables let me die with basically $0 in the bank
At the end, I realized I had no idea what the calculator was REALLY doing. So it could be right... it could be really wrong too. Having historical data might help solve those issues