Build a personal finance planning tool that imports balances, income, expenses, pensions, tax wrappers, mortgage/rent plans, and retirement goals, then runs Monte Carlo and rules-based cash-flow scenarios. The product would show practical outputs like earliest safe retirement date, bridge-account risk, home purchase affordability, pension timing tradeoffs, and which assumptions most affect the plan.

FIRE, early retirement, cross-border moves, housing affordability pressure, and inflation anxiety are pushing more middle- and high-income households to self-plan complex financial decisions. Existing calculators are too narrow, while human advisors are expensive and often unavailable for one-off scenario testing.