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Show HN: I made a simulator for personal finance

projectifi.io

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

#11

Post by jetpackjoe »

sct202 wrote: post #7

I think you should make it a little more obvious that you start off without creating an account, because I was a little off put at first that it looks like Personal Capital, Mint, etc where you have to provide a bunch of personal info before even seeing anything. Anyways very interesting graphs and stuff, I'd be interested if once you have the monte carlo simulations up if there was like a demo mode to just show what…

love love love that I can get started without putting in ANY personal information. I agree that making this more obvious is a good thing.

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

#12

Post by tjbiddle »

scubakid wrote: post #2

I had trouble finding a good FI planning and simulation tool that could model things in enough detail to finally ditch my spreadsheets... so I built one. Would love it if any of you want to try it out. It does not involve linking any accounts and almost all the functionality is free. And if anyone wants to become a beta tester for the few premium features, you can use coupon code BETA-6001 for 60% off :) https://proj…

I've been stuck on "Confirming Subscription" for the last 5 minutes

Edit: Tried again, but with PayPal, and it worked.

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

#13

Post by vcavallo »

torstenvl wrote: post #3

This looks interesting but I think it is still a little bespoke. A feature request would be to add an anticipated pension, since that has a major effect on how much you need to put into a retirement savings account.

is “bespoke” the term you mean to use here?

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

#15

Post by nonameiguess »

There is no reason at all for this to be server-hosted. I have of course done this for myself a very long time ago creating an effectively identical feature set using spreadsheets and even put them onto Microsoft's sharing pages (no idea what happened to them, it was such a long time ago).

I'm not saying this isn't a better solution than Excel. You work with what's available at the time. But there is nothing at all about the size of the data or complexity of the calculations that requires it to be centrally hosted. This is financial data and you're not a bank with reporting and privacy requirements being audited by state charter associations and federal law enforcement. No reason for people to trust you with this data. Make this an executable someone can put on their own machine. Don't require a network connection. Don't send telemetry.

Like Frost1x, though, maybe I'm just a minority and you don't need my business. Ultimately, do what the market will tolerate, I guess.

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

#16

Post by quercusa »

vcavallo wrote: post #13
torstenvl wrote: post #3

This looks interesting but I think it is still a little bespoke. A feature request would be to add an anticipated pension, since that has a major effect on how much you need to put into a retirement savings account.

is “bespoke” the term you mean to use here?

It's a British-ism, and not that uncommon.

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

#17

Post by ed312 »

Looks fantastic. I entered some close to real numbers and found the flow fairly easy. I specifically like the edge-case prompts ("you didn't enter mortgage/rent, are you sure?"). In that case I just entered an average monthly total expenses, but I like the checks. The graphs at the end are nice. Something like a toast for "congrats your goals are probably going to happen" might be good.

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

#18

Post by Bostonian »

nonameiguess wrote: post #15

There is no reason at all for this to be server-hosted. I have of course done this for myself a very long time ago creating an effectively identical feature set using spreadsheets and even put them onto Microsoft's sharing pages (no idea what happened to them, it was such a long time ago). I'm not saying this isn't a better solution than Excel. You work with what's available at the time. But there is nothing at all a…

I think many people have gotten out of the habit of installing software on their computers and prefer web-based solutions.

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

#19

Post by HDMI_Cable »

scubakid wrote: post #2

I had trouble finding a good FI planning and simulation tool that could model things in enough detail to finally ditch my spreadsheets... so I built one. Would love it if any of you want to try it out. It does not involve linking any accounts and almost all the functionality is free. And if anyone wants to become a beta tester for the few premium features, you can use coupon code BETA-6001 for 60% off :) https://proj…

I love the website, (it actually helps a lot). I think there should be some way to print out the plans, to be used in real-life planning. Also, it would be nice if there was some sort of disclaimer on how the financial data we input is used, because that stuff can be sensitive, and could peer people off.
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