待翻译：Show HN: Will your money last? AI-assisted financial simulator

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A financial life simulator See your whole financial future before you live it. Futurez runs your real numbers through 1,000 market futures on a deep, tax-aware engine so you can compare big life decisions with confidence. No financial advisor required. Create a Simulation No signup. Just jump right in. Benchmarked against Morningstar, the Trinity Study & Vanguard. See how we tested it → What-if: What happens if I take this job? Success: +4% chance of success Opportunity: Retiring at 57 hits 88% Validated: Benchmarked and thoroughly tested Milestone: Mortgage paid off, age 58 What-if: Retire one year earlier? Outcome: Median net worth $2.43M Your AI: Ask Claude: ‘what if we retire early?’ Validated: We never flatter your odds Success: 88% chance your money lasts Opportunity: A Roth ladder could save $18k in tax What-ifWhat happens if I take this job? Play what-if A before and after picture Drag the slider and watch Futurez show you how changing variables (retirement age in this case) can alter your future. Chance of success 81% if you retire at 56 Joint Checking & SavingsJoint BrokerageAlex 401(k)Jordan 401(k)Alex Roth IRAJordan Roth IRAFamily HSARepresentative path · p10–p90 fan 45 2026 $30k −$16k — +$136k $1.49M $1.52M 71% 46 2027 $31k −$7k — −$35k $1.45M $1.48M 72% 47 2028 $33k −$19k — +$188k $1.64M $1.67M 73% 48 2029 $34k −$16k — +$116k $1.75M $1.79M 74% 49 2030 $35k −$2k — −$159k $1.60M $1.63M 75% 50 2031 $37k −$23k — +$237k $1.83M $1.87M 76% 51 2032 $38k −$17k — +$113k $1.94M $1.98M 77% 52 2033 $39k −$20k — +$174k $2.12M $2.16M 78% 53 2034 $40k −$7k — −$93k $2.03M $2.07M 79% 54 2035 $42k −$24k — +$240k $2.27M $2.31M 80% 55 2036 $43k −$22k — +$180k $2.45M $2.49M 81% 56 2037 $44k −$3k — −$179k $2.27M $2.31M 82% 57 2038 $46k −$26k — +$246k $2.51M $2.56M 83% 58 2039 $47k −$20k — +$127k $2.64M $2.69M 84% 59 2040 $48k $0k — −$295k $2.35M $2.39M 85% 60 2041 $50k −$26k — +$234k $2.58M $2.63M 86% 61 2042 $51k −$24k — +$182k $2.76M $2.82M 87% 62 2043 $52k −$10k — −$96k $2.67M $2.72M 88% 63 2044 — −$16k $84k +$113k $2.78M $2.83M 89% 64 2045 — −$16k $86k −$18k $2.76M $2.82M 90% 65 2046 — −$17k $87k −$325k $2.44M $2.48M 91% 66 2047 — −$17k $89k +$65k $2.50M $2.55M 92% 45 2026 $30k −$16k — +$136k $1.49M $1.52M 71% 46 2027 $31k −$7k — −$35k $1.45M $1.48M 72% 47 2028 $33k −$19k — +$188k $1.64M $1.67M 73% 48 2029 $34k −$16k — +$116k $1.75M $1.79M 74% 49 2030 $35k −$2k — −$159k $1.60M $1.63M 75% 50 2031 $37k −$23k — +$237k $1.83M $1.87M 76% 51 2032 $38k −$17k — +$113k $1.94M $1.98M 77% 52 2033 $39k −$20k — +$174k $2.12M $2.16M 78% 53 2034 $40k −$7k — −$93k $2.03M $2.07M 79% 54 2035 $42k −$24k — +$240k $2.27M $2.31M 80% 55 2036 $43k −$22k — +$180k $2.45M $2.49M 81% 56 2037 $44k −$3k — −$179k $2.27M $2.31M 82% 57 2038 $46k −$26k — +$246k $2.51M $2.56M 83% 58 2039 $47k −$20k — +$127k $2.64M $2.69M 84% 59 2040 $48k $0k — −$295k $2.35M $2.39M 85% 60 2041 $50k −$26k — +$234k $2.58M $2.63M 86% 61 2042 $51k −$24k — +$182k $2.76M $2.82M 87% 62 2043 $52k −$10k — −$96k $2.67M $2.72M 88% 63 2044 — −$16k $84k +$113k $2.78M $2.83M 89% 64 2045 — −$16k $86k −$18k $2.76M $2.82M 90% 65 2046 — −$17k $87k −$325k $2.44M $2.48M 91% 66 2047 — −$17k $89k +$65k $2.50M $2.55M 92% Showing our work Benchmarked and tested. Calibrated to lean on the safe side. Behind every projection is a full, auditable spreadsheet of the numbers. And behind the engine are 1000s of tests and a historically grounded market simulator. 2026 Safe withdrawal rate test 3.7%Futurez vs 3.9%Morningstar Asked the same question, our engine comes in a notch more cautious than the leading forward-looking study. Never flatters you Compared to published benchmarks, Futurez intentionally comes in more cautious than optimistic. Grounded in history Built on 100 years of real markets, with a near-term outlook set to what the major asset managers forecast now. Repeatable by design The same calibrated markets every run so you can compare actions to outcomes. Secure, private, dependable.See How We Tested It What's inside A planner's engine, without the planner. 1,000 market futures, not one guess Every projection runs across 1,000 possible market paths on a fat-tailed model giving you a real range of outcomes, not just one optimistic line. It knows the tax code Federal + 42-state income tax, RMDs, IRMAA, child tax credits, Social Security, QBI, and more, all included in each projection. One plan for the whole household Two careers, two retirement dates, kids and dependents: Futurez represents your real life as accurately as possible. Query and update simulations via AI chat Futurez includes AI features right inside the app, but you can also connect Claude or ChatGPT and ask “what if I take this job?”, “retire a year earlier?” — included on the free plan. Connect your AI The Futurez method Don't just see your future — improve it. 1 Start Start with your status quo Add your real accounts, income, and expenses — no account required — and watch how today's plan holds up across 1,000 futures. 2 Tweak Make a tweak, watch it move Retire a year earlier, change from W-2 to self-employed, adjust spending: each change reruns instantly. 3 Iterate Go deeper Create custom rules in plain English like trimming non-essentials in lean years, or sliding your retirement date with market performance. 4 Optimize Optimize toward what you want Retire early? Leave money to your kids? Success is yours to define. Iterate until the plan protects what matters. Plot where you are today.Then see what could be. Pricing FUTUREZ FREE AND PAID PLANS 1,000 market futures✓ Federal + 42-state tax engine✓ Charts and spreadsheet view✓ AI-built charts & rules✓ 100K AI credits / month✓ Connect your own AI (MCP)✓ $0FOREVER = model your situation, free Add Unlimited simulations Version history No limits on rules, etc 2.5M AI credits / month +$89/yr 7 8 9 × 4 5 6 − 1 2 3 + StartStart NowPricingSee Pricing Frequently asked questions FAQ Nope. When you start building you are on a temporary account accessible only from your browser. Save your work by adding your email address to claim your free account. No. Futurez doesn't manage money or sell products. Futurez is a simulator. You model your plan, it shows the range of outcomes, and you stay in control. No. You enter balances yourself. Nothing sensitive is ever pulled or held on your behalf. Our "quick-update" feature lets you update all of your accounts back-to-back. Yes. Your data is yours. We don't sell or share your data ever, and you can delete everything at any time. Most online calculators are great for a quick, rough check of how a simple balance may grow over time. Modeling reality is a lot trickier. Tax brackets, Social Security claim ages, and withdrawal sequencing can each drastically change what happens to your net worth. Some expenses start or stop at certain ages, different types of income are taxed differently, and one partner may outlive the other. Futurez handles all of that and runs your projections across 1,000 possible markets. Add our in-app AI, custom rules, MCP server, and version history comparisons, and you have a full platform for running experiments, answering what-ifs, and discovering life-changing opportunities. We benchmarked the engine against the industry's research, Morningstar, Trinity, Vanguard, and Fidelity, and published our approach. Our aim is to be historically accurate with a near-term conservative leaning. See the methodology → Yes. Two careers, two retirement dates, joint and individual accounts, kids, modeled together, not flattened into one number. Yes, on the free plan too. Connect Claude or ChatGPT and run what-ifs by chat, right against your real numbers. Connect your AI → Every choice, a new path See your possible futures. Build your plan, run 1,000 futures, and steer toward the life you actually want. Run a Simulation No account required