Hey Product Hunt! 👋 I built FuturePath because every retirement calculator I tried either oversimplified the math or locked the good stuff behind a paywall. What makes it different: - 50-state tax engine — Federal, FICA, state, and capital gains taxes modeled year-by-year for every US state. Most tools skip this entirely. - 1,000+ Monte Carlo simulations — not just an "average case." You see the actual distribution of outcomes. - Recession stress testing — run your plan through 1929, 1973, 2000, 2008, and 2020 crashes at early, mid, and late career stages. - Semi-retirement planning — model the "messy middle" where you downshift to part-time before fully retiring. No other free tool handles this well. - Roth conversion ladder — annual conversion targets with full tax impact modeled year-by-year. - Spouse/partner planning, 529 college savings, HSA tracking, windfalls, guardrails spending strategy — the full picture. - It's completely free. No account required to start. Sign in (Google) only if you want to save and sync plans across devices. I've compared it head-to-head against Empower, Boldin, FIRECalc, ProjectionLab, and cFIREsim — FuturePath is the only free tool that checks every box across Monte Carlo, historical simulation, full state taxes, semi-retirement, and recession stress testing simultaneously. Happy to answer any questions about how the math works, the tax engine, or what's coming next. Would love your feedback! 🙏

FuturePath

The most sophisticated free retirement calculator

The most sophisticated free retirement calculator