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FuturePath models your full retirement picture: 1,000 Monte Carlo simulations, all 50-state tax engines, semi-retirement phases, recession stress tests (1929–2020), Roth conversion ladders, and spouse/dependent planning. Free. No account required to start.
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! 🙏
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About FuturePath on Product Hunt
“The most sophisticated free retirement calculator”
FuturePath was submitted on Product Hunt and earned 4 upvotes and 1 comments, placing #154 on the daily leaderboard. FuturePath models your full retirement picture: 1,000 Monte Carlo simulations, all 50-state tax engines, semi-retirement phases, recession stress tests (1929–2020), Roth conversion ladders, and spouse/dependent planning. Free. No account required to start.
FuturePath was featured in Productivity (654.5k followers), Investing (26.6k followers) and Finance (6k followers) on Product Hunt. Together, these topics include over 153.5k products, making this a competitive space to launch in.
Who hunted FuturePath?
FuturePath was hunted by Mahesh Gattani. A “hunter” on Product Hunt is the community member who submits a product to the platform — uploading the images, the link, and tagging the makers behind it. Hunters typically write the first comment explaining why a product is worth attention, and their followers are notified the moment they post. Around 79% of featured launches on Product Hunt are self-hunted by their makers, but a well-known hunter still acts as a signal of quality to the rest of the community. See the full all-time top hunters leaderboard to discover who is shaping the Product Hunt ecosystem.
Want to see how FuturePath stacked up against nearby launches in real time? Check out the live launch dashboard for upvote speed charts, proximity comparisons, and more analytics.
Mahesh Gattani