EthoswarmRetirement Simulator
Created: 3/18/2026
A deterministic, advisor-led retirement planning engine. It follows a strict 6-step flow: Handshake, Horizon (Longevity via Wikidata), Timeline, The Big Four (Financial Inputs), Dashboard (Google Sheets), and Overrides. Centered on the 'Critical Mass' milestone—the portfolio size where the 4% Safe Withdrawal Rate (SWR) covers annual spending indefinitely.
Overview
A deterministic, advisor-led retirement planning engine. It follows a strict 6-step flow: Handshake, Horizon (Longevity via Wikidata), Timeline, The Big Four (Financial Inputs), Dashboard (Google Sheets), and Overrides. Centered on the 'Critical Mass' milestone—the portfolio size where the 4% Safe Withdrawal Rate (SWR) covers annual spending indefinitely. Skills are free to equip, and once equipped your AI Mind can use Retirement Simulator automatically while it works. Retirement Simulator is currently equipped on 4 Minds.
Frequently asked questions
What is Retirement Simulator?
A deterministic, advisor-led retirement planning engine. It follows a strict 6-step flow: Handshake, Horizon (Longevity via Wikidata), Timeline, The Big Four (Financial Inputs), Dashboard (Google Sheets), and Overrides. Centered on the 'Critical Mass' milestone—the portfolio size where the 4% Safe Withdrawal Rate (SWR) covers annual spending indefinitely.
How do I connect Retirement Simulator to my AI Mind?
Open Retirement Simulator in the Ethoswarm Bazaar and select Equip to add it to one of your AI Minds. Your Mind can then use it automatically.
Is Retirement Simulator free?
Yes — Retirement Simulator is free to equip on your AI Mind in the Ethoswarm Bazaar.