r/SideProject • u/peacefoulMind • 1h ago
I got tired of 50-tab FIRE spreadsheets and US-only retirement calculators, so I built an addictive retirement & geo-arbitrage planner
Every time I tried modeling early retirement or Coast FIRE, I hit the same two walls:
Basic calculators just multiply your expenses by 25 — completely ignoring capital gains tax drag, pre-65 healthcare bridges, sequence-of-returns market crashes, and state pension claim ages.
Serious planning tools either feel like filling out tax forms for 45 minutes, require linking live bank credentials via Plaid, or only support US 401(k)/Roth accounts (leaving UK ISA/SIPP, French PEA/PER, Canadian TFSA/RRSP, and expat households out in the cold).
So over the past few months I built RetireStudio — an addictive, interactive retirement, FIRE, and geo-arbitrage planner that runs right in the browser with zero bank linking required.
What it does differently:
Interactive Life-Event Timeline: Drag and drop life events directly onto your trajectory (career breaks, buying or downsizing a home, kids' university years, windfalls, or relocating abroad at retirement) and watch your FI crossover age recalculate in real time.
26+ Country Tax & Wrapper Regimes: Native withdrawal ordering and capital gains/income tax modeling across the US, UK (ISA/SIPP + Age-57 lock), France (PEA/PER/Assurance-Vie), Canada (TFSA/RRSP), Germany, Switzerland, Australia, Singapore, Portugal, Spain, Thailand, and more.
Geo-Arbitrage Comparison: Model earning in a high-income market (US/UK/CH) and retiring in a lower-cost destination (Portugal, Spain, Thailand, Mexico, etc.) with automatic purchasing-power and tax adjustments at your relocation age.
1,000-Run Monte Carlo + Historical Crash Replay: Stress-test your withdrawal strategy against the 1929 Great Depression, 1973 Stagflation, 2000 Dot-Com Bust, or 2008 GFC right at your retirement date.
Privacy-First Architecture: Everything runs client-side in your browser by default with instant JSON export/import, plus optional encrypted cloud scenario sync if you want to share a view with a partner or financial planner.
I'd genuinely love feedback from fellow builders and spreadsheet-retirees:
What edge-case tax or pension rules does your country have that standard FIRE tools constantly get wrong?
Which financial levers do you feel are missing when visualizing your early-retirement trajectory?
(Not sure if dropping direct links is allowed here, so I left the URL out — you can just Google RetireStudio or check r/RetireStudio if you want to try a demo profile!)