Freedom Graph – FI calculator that models sequence-of-returns risk

Show HN: Freedom Graph – FI calculator that models sequence-of-returns risk

Freedom Graph – FI calculator that models sequence-of-returns risk is a business in show hn launch.

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Hi HN,I built Freedom Graph because I wanted an FI calculator that modeled market variability and flexible spending more realistically. Lots of calculators assume constant returns, fixed withdrawal rules, and the "real = nominal – inflation" approximation. That’s fine for ballpark numbers, but not great when you care about sequence risk or decisions like, "should I spend another year working?"These are the real-world factors I wanted to model explicitly:* Sequence of Returns Risk: Optional market randomness (mix of positive/negative years, long-run ~10% CAGR) to show how early retirement plans can fail even when the long-term average looks fine* Correct real-return math: Uses the Fisher equa

The company sits in the show hn launch segment, where it competes on its core product or service.

Its current recorded stage is Show HN launch.

Website: www.freedomgraph.com