Hello HN,

I’m the developer behind RetireFluent.

I built this because I was frustrated with the current state of retirement calculators. They usually fall into two buckets:

Too Simple: "Enter current savings + 7% growth" (ignores tax brackets, inflation variance, or spending phases).

Too Expensive: Professional tools like MoneyGuidePro that cost $1,000s/year and are gatekept by financial advisors.

I wanted something in the middle—high fidelity but accessible.

The Tech Stack:

Frontend: React + Tailwind CSS.

Logic: Runs entirely client-side. No data is sent to a server. Your financial data stays in your browser's local memory.

Deployment: Vercel (Web).

Key Features:

Privacy First: Since it's client-side, you don't need to create an account or hand over your email to see results.

Spending Phases: Models "Go-Go" (early retirement), "Slow-Go", and "No-Go" years rather than flat spending.

Medical Inflation: Separates healthcare costs from general inflation (since medical costs historically outpace CPI).

Gap Analysis: Calculates the exact shortfall and generates a "Verdict" rather than just a raw number.

What I’m looking for: I’m currently refining the UI flow (specifically the mobile wizard) and the tax estimation logic. I’d love feedback on:

Does the "Simple vs. Advanced" toggle feel intuitive?

Are the default assumptions (inflation/growth) reasonable?

Any edge cases in the simulation I missed?

Link: https://retirefluent.com

Thanks for checking it out! Kris