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Show HN: I built a simulator for personal finance

projectionlab.com

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Re: Show HN: I built a simulator for personal finance

#61

Post by scubakid »

tewwill wrote: post #46
scubakid wrote: post #29

Earlier quoted context omitted.

What kind of new features do you feel would add the most value for freelancer / side-business use cases?

Fantastic UI. Congrats. It would be really cool to be able to model personal assets such as businesses. For example, I would like to be able to plan when I sell one of my businesses in X amount of years for a price of Y, then perhaps have options on how to spread the proceeds of that sale into different assets like cash, stocks / shares or one off purchases like a house. One thing I couldn't work out how to do was to…

What kind of one-off purchases do you have in mind? Within the plan interface, there are a bunch of expandable columns at the bottom, and within each of those you can create/manage things like types of income, expenses, assets, cash-flow priorities, etc. You can control frequency on things like income/expenses; I imagine setting an expense to happen once would be an example of the kind of one-off you're looking for? You should also be able to model selling X for the price of Y pretty efficiently as well, perhaps with a single custom income event type and using the Advanced change-over-time editor.

Re: Show HN: I built a simulator for personal finance

#63

Post by scubakid »

d4mi3n wrote: post #60
scubakid wrote: post #55

Earlier quoted context omitted.

It does seem like there are some pretty wild discrepancies in total comp between countries. If the distributed/remote trend continues progressing, I wonder if we'll see things start to equalize at all in our lifetimes, or if there are other geopolitical / macroeconomic / other factors that are more significant.

It should up to a point. A lot of high paying tech jobs are in regulated industries that sometimes have hard restrictions on who they're allowed to employ. For example, I know someone who works at Oracle Cloud and works on projects for the US DoD. For these projects Oracle is required to employ US citizens, perform background checks, and in some cases ensure those workers have clearance to work with classified inform…

It'll be interesting to see how quite a lot goes over the next few years, given recent events...

Re: Show HN: I built a simulator for personal finance

#64

Post by hammeiam »

I'm so incredibly impressed with this tool. In addition to the slick interface, it has some killer features and niceties:

- You can add a "dependent expense" (have a kid) at a certain age

- You can run Monte Carlo simulations of your portfolio performance

- Expenses can be configured to increase linearly, with inflation, up to an amount, or using a custom function that the user can input graphically

- Adding a house purchase automatically cancels out your existing rent expense if you indicate that it will be your residence

- Easily visualize all of your projected earnings from portfolio growth and losses due to inflation and taxes

As an avid YNAB-er, this is heaven.

Re: Show HN: I built a simulator for personal finance

#65

Post by geeny777 »

This is absolutely awesome. I really appreciate how snappy it feels. I wouldn't mind if it was supported by something like (tasteful) personal capital or credit card affiliate links.

Otherwise, it's too expensive for cheap fire-minded folks like myself. Adding a subscription to this would push back our FIRE dates :)

Persistent storage (even if it's just a text file I have to copy-paste every time) for $12/ a year would add enough value to be worth it for me, and for me to replace my spreadsheet with this.

Re: Show HN: I built a simulator for personal finance

#66

Post by scubakid »

nova27 wrote: post #62

This looks so pretty, building a web app myself and one thing i am struggling with is the UX/UI, I can build the app but my initial design/ux looks like crap, op did you design the UX of this yourself or do you hire a designer to come up with the design ?

All me actually.. though I do have a couple UX buddies I bounce ideas off from time to time. My programming journey started in middle school coding videogames to play with friends, and perhaps that's always shaped the way I approach projects: as much as possible, I like to visualize the end state (layout, interactions, the little things you want to be able to do as a user and how that should feel) before getting too far down the road coding the underlying systems.

Re: Show HN: I built a simulator for personal finance

#67

Post by scubakid »

geeny777 wrote: post #65

This is absolutely awesome. I really appreciate how snappy it feels. I wouldn't mind if it was supported by something like (tasteful) personal capital or credit card affiliate links. Otherwise, it's too expensive for cheap fire-minded folks like myself. Adding a subscription to this would push back our FIRE dates :) Persistent storage (even if it's just a text file I have to copy-paste every time) for $12/ a year wou…

Glad you appreciate the snappiness :) that's the product of a lot of deliberation on optimizations and occasional shower thought / moment of inspiration. Maybe what I should do is add another tier that's just persistent storage with none of the other premium features; essentially "Basic" but with saving.

Re: Show HN: I built a simulator for personal finance

#68

Post by hammeiam »

geeny777 wrote: post #65

This is absolutely awesome. I really appreciate how snappy it feels. I wouldn't mind if it was supported by something like (tasteful) personal capital or credit card affiliate links. Otherwise, it's too expensive for cheap fire-minded folks like myself. Adding a subscription to this would push back our FIRE dates :) Persistent storage (even if it's just a text file I have to copy-paste every time) for $12/ a year wou…

agreed, I'd love a txt/csv dump of my plans

Re: Show HN: I built a simulator for personal finance

#69

Post by scubakid »

hammeiam wrote: post #64

I'm so incredibly impressed with this tool. In addition to the slick interface, it has some killer features and niceties: - You can add a "dependent expense" (have a kid) at a certain age - You can run Monte Carlo simulations of your portfolio performance - Expenses can be configured to increase linearly, with inflation, up to an amount, or using a custom function that the user can input graphically - Adding a house…

Thanks a bunch! Mentioned this below, but as a YNAB user, if you find yourself looking for more options on things like cash-flow priorities, you can check out the early access version here where I just added a few for v3.0.1: https://projectifi-201a2--dev-xsmyy9im.web.app
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