Waitlist open ยท 0%

See exactly when your retirement money runs out.

Other retirement calculators give you a probability. We give you the exact year your money runs out, plus saved plans, share links, and a CFP-ready PDF.

0of 5 on waitlist

Bring a friend who'd use this. Each signup pulls the launch closer.

See it live

$4.99 lifetime ยท or $19 / month SaaS ยท no charge today

๐ŸŒ Web toolยทfinance
Decompound CalcยทDefault
Survives 40 years
$0$735K$1.5My0y10y20y30y40
Final: $1,015,58140y projection ยท live

Try the inputs ยท live recompute

Built by someone who already shipped 30+ tools

30+
tools shipped
2,300
weekly Google impressions
35d
day-by-day streak
12
ranked in top-10

For a sense of what shipped looks like: relly.permissionlabs.com โ†—

What it does

Decompound, in four moves.

Click any card to jump to its deep dive below.

Who it's for

Built for these decisions.

If any of these are your question, this is the tool.

5 years from retirement

Will my plan survive a 2008?

โ†’ Run it. See the year-by-year balance and where the cliff is.

Considering FIRE

What withdrawal rate actually works for 40 years?

โ†’ Slide the rate. See the cliff edge slide too.

Already retired

Should I cut withdrawals next year?

โ†’ Test the cut. See how many years it adds.

Talking to your advisor

Why is their plan different from mine?

โ†’ Side by side. Both plans charted. No spreadsheets.

The problem

Compound calculators stop where retirement starts.

Every compound interest calculator out there assumes you keep adding money in. That's not retirement. In retirement you're decompounding: pulling cash out each month while the rest tries to keep growing. The 4% rule gives you one number; it doesn't show you the year-by-year drawdown, what happens if 2008 hits in year 3, or whether your nest egg actually outlives you.

What you'd get

Four pieces, one tool.

Each piece ships in the first build for waitlist members. SaaS upgrades layer on top.

01 ยท feature

Year-by-year drawdown

Type your nest egg, expected return, and monthly withdrawal. Watch the balance curve fall, year by year, with a red marker on the exact year your money runs out. Most calculators give you one number. This gives you the whole story.

Drawdown chart
year 22$1.0My0y40
02 ยท feature

Stress-test against real market crashes

Run your plan against 2008, the dot-com bust, and 1970s stagflation. Same withdrawals, different markets. See exactly where the plan breaks and where it survives.

Scenario picker
03 ยท feature

Inflation drift, not flat assumptions

Withdrawal grows each year so groceries stay the same. Cliff edge moves left or right in real time as you change inflation. Most tools assume flat, that's a 7-year mistake.

Inflation drift
Inflation3.0%
Cliff edge
year 22
04 ยท feature

Saved scenarios + advisor-grade PDF

Save plans, name them, share with your advisor by link. Export a clean PDF report that reads like a CFP document, not a screenshot. SaaS upgrade tier.

Saved scenarios
  • Default plan
    Survives 40y
  • 2008 stress
    Year 17
  • Aggressive draw
    Year 11
  • Conservative
    Survives 40y
  • + Save current scenarioSaaS
Why paid

Today's tools don't do this.

A wrong withdrawal rate by 0.5% costs 7โ€“10 years of runway. A CFP consultation is $200~500/hour. One bad assumption costs more than this tool ever will.

โœ—Built in 2008, runs as a long form. No saved plans, no PDF, no shareable link.
Their pricing
โœ—Powerful but UI-heavy. No exact year-of-failure, no exportable report, no advisor-ready output.
Their pricing
Vanguard / Fidelity calculators
โœ—Marketing funnels, not real planning tools. No stress test, no scenario saving.
Their pricing
4% rule calculators
โœ—One number. No year-by-year, no inflation drift, no stress test.
Their pricing
Decompound Calc
โœ“Exact year-of-failure marker ยท Advisor-grade PDF export ยท Saved scenarios + share link ยท Modern UI built for one decision
$4.99
Price anchor
Compared to
1-hour CFP consultation
Their price
$200~500 / hour
What you get
Same year-by-year clarity, $4.99 once, runs forever. Or $19/month for saved scenarios.
โœ“
What you get now

Full calculation tool with stress tests against 2008, dot-com, and 1970s. Year-by-year drawdown with exact failure year. Inflation drift slider.

โ†—
What's coming

Saved scenarios, share-with-advisor link, advisor-grade PDF export. SaaS tier ($19/mo).

ยท
What's not included

Personalized financial advice. This is a tool, not a CFP. For actual planning decisions, see a licensed advisor.

Pricing

Which price would get you on the waitlist?

No charge today. The click tells me which tier is real demand. Early access price โ‰  launch price.

Join the waitlist

Want this built?

Drop your email. No charge, no spam. You're saying "yes, I'd actually use this." That's the signal I'm looking for.

Hi, I'm Hyunyoung.

Solo builder ยท Choppy Toast

This page is a quick vibe-coded probe to test demand and gather feature requests. The actual product, when it ships, will be a polished, hand-built tool, not this scaffold.

For a sense of what "polished and shipped" looks like, here's another product I built: relly.permissionlabs.com.

FAQ

Honest answers.

Then I wait. The waitlist stays live forever, no expiry, no archive. The faster you tell friends who'd use this, the faster it ships. That's the whole engine.

More

More upcoming tools.

๐Ÿงฉ

Extension Listing Kit

SaaS

Upload each screenshot, promo tile, and description once. We resize and crop every image to the exact spec the Chrome Web Store, Firefox Add-ons, and Edge Add-ons each ask for, hold one copy of your name, summary, and description per store and per language with the character limit checked as you type, and run a pre-submit pass that names every missing or out-of-spec asset before you hit publish.

Waitlist 0%Waitlist open
๐ŸŽฌ

Video Bloat Audit

Web tool

Paste a URL. We find every autoplay and background video on the rendered page, show the real transfer weight and how much each one adds to your largest paint, estimate the monthly bandwidth bill at your actual traffic, and hand you a ranked plan to swap each clip for a poster, a lazy load, a smaller encode, or a scripted animation.

Waitlist 0%Waitlist open
๐Ÿ’ธ

AI Stack Cost

SaaS dashboard

One dashboard for every AI subscription you forgot about.

Waitlist 0%Waitlist open
๐Ÿ”

Vibe Check

Web tool

Find every AI-generated tell on your landing page.

Waitlist 0%Waitlist open
๐Ÿฆ

Account Stack 2026

Web tool

Tell us your income. We tell you exactly where to put each dollar across 401k, Roth IRA, HSA, and backdoor.

Waitlist 0%Waitlist open
๐Ÿ›ก๏ธ

Ad Precheck

Web tool

Paste your ad copy, image, and landing URL. Get a per-platform rejection score for Meta, Google Ads, and AdSense before you submit.

Waitlist 0%Waitlist open
๐Ÿ”ฌ

Silent AI Audit

Mac app

Find every AI model silently installed on your Mac. See the size, last access, and how to remove each one.

Waitlist 0%Waitlist open
โšก

EV Power Bill

Web tool

See your real EV charging bill before you buy the car.

Waitlist 0%Waitlist open
๐Ÿชค

Before You Install

Web tool

Paste a package. See the supply-chain risk before you run install.

Waitlist 0%Waitlist open
๐Ÿงฎ

LLM Self-host Cost

Web tool

See if self-hosting an LLM actually beats the API bill.

Waitlist 0%Waitlist open
๐ŸŽ

App Store Precheck

Web tool

Paste your app metadata, screenshots, and Info.plist. Get a per-guideline rejection score before you hit Submit for Review.

Waitlist 0%Waitlist open
๐Ÿ›๏ธ

UK Stamp Duty Surcharge

Web tool

Stack the non-resident surcharge, additional property, and first-time buyer relief in one calculator. See your real SDLT before you exchange.

Waitlist 0%Waitlist open
๐Ÿ›ก๏ธ

Vibecode Audit

Web tool

Find the 12 security holes Cursor, Lovable, v0, and Bolt leave open by default. Paste your URL, get a report your investor will not flag.

Waitlist 0%Waitlist open
๐ŸŒถ๏ธ

Spice Graveyard

iOS app

Scan the spice rack once. Get told what to cook tonight with the bottles you already own, and stop buying duplicates.

Waitlist 0%Waitlist open
๐Ÿ 

Home Addition Cost

Web tool

Paste a contractor bid for your home addition. Get a line-by-line read on what is fair, what is padded, and what scope cut drops the total without losing the room.

Waitlist 0%Waitlist open
๐Ÿ’Š

Accutane Tracker

iOS app

Log your Accutane course like the dermatologist would. Daily lip dryness, side-effect severity, dose ladder, blood-draw reminders, and a photo timeline that shows where week 12 actually got you.

Waitlist 0%Waitlist open
๐Ÿงด

PIH Fade Plan

Web tool

Tell us your skin type, breakout history, and how much post-acne brown is left. Get a 16-week active routine that switches between azelaic, niacinamide, vitamin C, and tretinoin based on how your skin actually reacts in week 2, 4, 8, and 12.

Waitlist 0%Waitlist open
๐Ÿงน

Tailwind Exit Plan

Web tool

Paste a Tailwind component or a repo URL. Get a structured CSS migration plan that pulls out reusable classes, scaffolds CSS modules with design tokens, and hands the team a 4-week refactor schedule with the file to open on Monday.

Waitlist 0%Waitlist open
๐Ÿ–ฅ๏ธ

VMware Exit Plan

Web tool

Paste your VMware renewal quote, host counts, and license SKUs. Get a per-hypervisor cost split across Proxmox, Hyper-V, OpenShift, and Nutanix, the migration hour estimate, and a 90-day cutover schedule that names the cluster to drain first.

Waitlist 0%Waitlist open
๐Ÿ‘ถ

Child Investment Planner

Web tool

Type your kid's age, your monthly budget, and your tax bracket. Get a side-by-side projection for 529, UTMA, and Roth IRA at age 18, the contribution that fits your budget, and the one-page memo that names the account to open first.

Waitlist 0%Waitlist open
๐Ÿšช

RMM Escape Plan

Web tool

Paste your NinjaOne invoice, endpoint count, and add-on list. Get your real all-in per-endpoint cost, a dated cancellation letter that respects the 60-day notice clock, and a migration matrix scored to your size across Action1, Level.io, Endpoint Central, and Syncro.

Waitlist 0%Waitlist open
๐Ÿฆ

Bank Freeze Exit Plan

Web tool

Type your monthly cash flow, your balance range, and your current business bank. Get a freeze-risk score for every provider, the morning-of runbook if your account locks, a named backup account at a second institution, and a one-page memo for your bookkeeper.

Waitlist 0%Waitlist open
๐Ÿ”Œ

Host Lock-In Escape

Web tool

Paste your host, plan tier, and what you deploy. Get a lock-in risk score across Netlify, Vercel, Render, Fly.io, and Cloudflare Pages, a redeploy config built from your own env vars and redirects, and a one-page runbook for the morning your account gets suspended with the site still live.

Waitlist 0%Waitlist open
๐Ÿ“‹

After-Death Money Checklist

Web tool

Tell us the state and the rough size of the estate. Get whether you can skip full probate, which bills you actually have to pay and which die with the person, the order to notify the banks and the agencies, and a one-page memo for the family.

Waitlist 0%Waitlist open
๐ŸŒก๏ธ

Heat Safety Planner

Web tool

Tell us who is going outside, what they are doing, and your zip code. Get a clear go, modify, or cancel call for today's heat, the work-rest and water schedule for those conditions, the early heat-illness signs to watch in that specific person, and the safe hours to move it to.

Waitlist 0%Waitlist open

5 more on the waitlist and I build this.

No charge today. Drop your email, lock in the early-access price, and you hear first when it ships.

Email me directly

Built by a real person. No silent vaporware.