scubakid

40 ms·

1. 481.▲
   by scubakid 5y ago

   Erring on the side of caution and conservative estimation is usually a good thing. And within the next few weeks, I hope to be implementing a Monte Carlo simulation mode which should help to account for the fact that many of these variables
2. 482.▲
   by scubakid 5y ago

   Thanks! And agreed on many of the big players having surprisingly clunky interfaces. As a solo developer, no clue on the viability/likelihood of partnering or selling to one of them... but who knows I guess :)
3. 483.▲
   by scubakid 5y ago

   Thanks a bunch! Duly noted on 1 and 2. For 3, you should already be able to hover over each event icon and click it to "hide" or "show" the event; i.e. temporarily take it out of the simulation.
4. 484.▲
   by scubakid 5y ago

   Thanks! For #1 is it possible that you haven't yet factored in that values in the simulation are adjusted to be in today's dollars? i.e. expenses that match inflation exactly would show as the same value each year. For #2, I'
5. 485.▲
   by scubakid 5y ago

   Thanks so much! I'll look into that.
6. 486.▲
   by scubakid 5y ago

   Good points. A lot of people have been really tearing into the color theme selector on here, so it looks like that will be getting demoted out of the onboarding experience haha. As for premium, I'll make the feature breakdown of Free v
7. 487.▲
   by scubakid 5y ago

   Those are good insights, thanks! I'll work on that.
8. 488.▲
   by scubakid 5y ago

   Thanks for the feedback! In the near future I'm hoping to add templates you can choose from to optionally skip the onboarding process and play with an example simulation pre-populated with some interesting data. Based on this and some
9. 489.▲
   by scubakid 5y ago

   You should be able to use the app without making an account. And plan data is not synced to the cloud unless you upgrade to premium and also explicitly enable that feature.
10. 490.▲
    by scubakid 5y ago

    You're right about those user estimates and various knobs having a potentially huge effect on results. When I introduce a Monte Carlo simulation mode, I hope to be able to offer better insights into how distributions around some of the
11. 491.▲
    by scubakid 5y ago

    Thanks for the feedback. I would love to add better generalization for international use; so far it's just been out of scope for a solo dev to account for all the intricate tax rules that differ from country to country. If you have fur
12. 492.▲
    by scubakid 5y ago

    Great point! Currency selector coming soon. Would you recommend demoting the theme selection to like a last step in the onboarding process? Or not showing it at all during onboarding and leaving it for users to find on their own?
13. 493.▲
    by scubakid 5y ago

    The way it currently works, the simulation uses income in a given year to cash-flow expenses for that year, and the rest is allocated according to the items you configure in the Financial Goals section. As a simple example, you could define
14. 494.▲
    by scubakid 5y ago

    Oops, it seems my attempt to add clarity on the current implementation only added more confusion. Sorry about that. Let me try to break down the status quo in more detail. 1. User arrives on the site, no google analytics activated unless us
15. 495.▲
    by scubakid 5y ago

    These are excellent suggestions, thanks for the thoughtful feedback. For onboarding, I initially tried a version of what you suggested, but in usability tests many felt there was too much on the screen. Perhaps now it is too minimal though
16. 496.▲
    by scubakid 5y ago

    Thanks! A LocalStorage only option seems very doable. With all the interest expressed here, I'll add that to the roadmap. As for the status quo, without Premium no plan data is stored server-side. With Premium, plan data is stored serv
17. 497.▲
    by scubakid 5y ago

    You're right, more flexibility on those inputs would definitely be a good thing. That's already on the road-map, so stay tuned!
18. 498.▲
    by scubakid 5y ago

    Good point. Currently it's tailored more towards the US, but I'm hoping to find time to add features for other locations. That said, the idea of supporting every tax system out there is probably a bridge too far, but simple things
19. 499.▲
    by scubakid 5y ago

    Very interesting. Thanks for the tip, I'll check it out!
20. 500.▲
    by scubakid 5y ago

    That's a good point. My initial thought process with it was to stack the datasets so that everything underneath debt contributes to your net worth, with debt at the top "weighing it down" so to speak. You can also click the d
21. 501.▲
    by scubakid 5y ago

    Currently just google analytics dashboards showing things like navigation within the app and where users are dropping off during the onboarding process.
22. 502.▲
    by scubakid 5y ago

    Currently, no. I suppose one could criticize that from an operations perspective, but at least data requested for deletion does really go away.
23. 503.▲
    by scubakid 5y ago

    Fair point. I've been a long-time HN reader but never made an account before. After working hard building the app, I was excited to create my first post to share it, and mentioned to my friends I had posted it to HN. Evidently a few of
24. 504.▲
    by scubakid 5y ago

    Any thoughts on the comments under the Frost1x post? (e.g. Electron app version, and/or import/export or local storage options for web premium users). Certainly local storage is very doable -- I didn't anticipate how hotly re
25. 505.▲
    by scubakid 5y ago

    I guess I should also add that with the current web version, you can opt out of sending telemetry data via cookie preferences, and with the Premium version you choose whether or not you want your data persisted or not. (there is also a butt
26. 506.▲
    by scubakid 5y ago

    Thanks for the feedback! I've thought about maybe creating a version which is wrapped up as an Electron app and runs natively and with no google analytics, etc. Does it sound like that might alleviate some of your concerns?
27. 507.▲
    by scubakid 5y ago

    Thanks! Do you mean like a feature tour video on the home page, or something more like quick "templates" you could choose from that would pre-populate everything with sample data?
28. 508.▲
    by scubakid 5y ago

    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 accoun
29. 509.▲
    Show HN: I made a simulator for personal finance(projectifi.io)

    479 points by scubakid 5y ago|255 comments
30. 510.▲
    by scubakid 6y ago

    I had trouble finding a good FI planning and simulation tool that could model things in enough detail... so I built one. Would love it if any of you want to try it out. Almost all the functionality is free, but if anyone wants to become a b