It's too expensive for me. The facts you produce look very good tho.
I don't want anyone to feel priced out of being able to create a quality plan for their future, so I have a discount request form under the pricing section :)
Show HN: I built a simulator for personal finance
181–190 of 240 posts
Re: Show HN: I built a simulator for personal finance
#182Earlier quoted context omitted.
I'm not sure what you were seeing, but I spent a solid hour playing with my own data without (yet) creating an account. Aside from that, this kind of low-effort dismissal ("has/lacks X, closed the tab") plagues a lot of Show HNs, and it's not constructive. If you really feel so strongly against signing up, it would be more constructive to explain why you feel that way and suggest ways OP could improve their project.…
I was able to put my data in. The simulation predictions still showed $1m+ retirement data. Also, I feel strongly against signing up for stuff because I already get tons of spam marketing from sites that I have signed up. I also am very protective over who knows what about my money.
For what it's worth, data already stays client-side by default. If you upgrade and enable saving, you can choose from localStorage only, cloud sync, or manually importing/exporting JSON files.
Re: Show HN: I built a simulator for personal finance
#183Earlier quoted context omitted.
When you say you "couldn't predict your own", what do you mean? You should be able to do everything possible in the free tier without signing up.
When I put my data in, the simulation didn’t update. It was still showing me $1m+ retirement predictions.
If you feel like there's something amiss, always happy to help troubleshoot. There are definitely a lot of inputs, so there are quite a few places where an errant input could have a large effect on the long-term outlook. When you say "didn't update" though, that sounds odd... does that imply you were somehow seeing no change at all in a plan despite making radical changes to configuration? Or something else?
Re: Show HN: I built a simulator for personal finance
#184Earlier quoted context omitted.
I just turned 40. When I turned 30 I thought my 20s were pretty amazing and I was sad to leave that behind. But 10 years later I can tell you 30s are definitely your prime years. You’ve got some shit figured out and maybe you’re a real adult, you have a few more dollars than you did before, you probably have a better understanding of what you want in life. 30s are about going and doing that. By not mortgaging your fu…
what if that's when kids enter into the equation? ◑.◑
Kids are not that life wrecking experience society makes you think it is, unless you can't afford to have kids.
Sure, you'll change your priorities and you'll have a few years of extra stress while the kids are small.
Re: Show HN: I built a simulator for personal finance
#185Earlier quoted context omitted.
what if that's when kids enter into the equation? ◑.◑
Kids are not that life wrecking experience society makes you think it is, unless you can't afford to have kids. Sure, you'll change your priorities and you'll have a few years of extra stress while the kids are small.
I guess it's those few years of increased stress that make the time sound less "prime" haha. As an adult I've always needed good sleep to function well, and can't help but worry my kid would be as much of a wretch as I apparently was as an infant :D
Re: Show HN: I built a simulator for personal finance
#186I have spent couple hours trying your product, it's pretty damn good! Couple remarks: 1. It would have been great if I could make other variables used in Monte Carlo simulations than the market. It would allow one to model uncertainty. For example, an event could happen following a random distribution (kid arrival, move between 3 and 5 years), or a future salary could follow some normal distribution, etc. 2. The main…
Thanks for the detailed feedback! 1. Definitely looking to add more degrees of freedom to Monte Carlo scenarios over time. A couple examples: https://changemap.co/projectifi/projectifi/task/5736-flex-on... https://changemap.co/projectifi/projectifi/task/5926-allow-s... 3. Have you seen the Plot Builder? (open plot selector and hit new). Expenses are one of the metrics you can use. 4. Totally agree. Eventually I want…
1. Looking forward to seeing that. With the current UI for Monte Carlo simulations, I think it'll be great!
3. I haven't seen that, wow! It can do a lot.
4. Makes sense. Just switching between plans works, anything more is nice to have, not must have.
5. I can see a Yearly Contribution Limit, that rocks! It's exactly that.
7. Good luck with that! I read you got couple ideas and remarks on here, I'm sure there is some solution ticking most boxes.
I'll probably be a customer very soon! Good luck and again: well done.
Re: Show HN: I built a simulator for personal finance
#187Earlier quoted context omitted.
Thanks for the detailed feedback! 1. Definitely looking to add more degrees of freedom to Monte Carlo scenarios over time. A couple examples: https://changemap.co/projectifi/projectifi/task/5736-flex-on... https://changemap.co/projectifi/projectifi/task/5926-allow-s... 3. Have you seen the Plot Builder? (open plot selector and hit new). Expenses are one of the metrics you can use. 4. Totally agree. Eventually I want…
1. Looking forward to seeing that. With the current UI for Monte Carlo simulations, I think it'll be great! 3. I haven't seen that, wow! It can do a lot. 4. Makes sense. Just switching between plans works, anything more is nice to have, not must have. 5. I can see a Yearly Contribution Limit, that rocks! It's exactly that. 7. Good luck with that! I read you got couple ideas and remarks on here, I'm sure there is some…
I appreciate it! And if you have any other feature ideas or suggestions, reach out any time.
Re: Show HN: I built a simulator for personal finance
#188This 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 ?
If you don't have a lot of css chops yet, using a component library can be a big help to start. Easier to learn how to customize it a bit vs building all the ui and layout components from scratch
- https://mui.com/material-ui/getting-started/learn/
Re: Show HN: I built a simulator for personal finance
#189This 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.
I would appreciate, no doubt.
I think I have a mental friction on paying monthly based on how much I interact with the software, so it might be me.
Re: Show HN: I built a simulator for personal finance
#190Earlier quoted context omitted.
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.
I would appreciate, no doubt. I think I have a mental friction on paying monthly based on how much I interact with the software, so it might be me.
There's always the yearly/lifetime options if monthly gives you pause. Would you suggest adding a lower tier lifetime option with just saving?