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Show HN: Ifso.io – Personal finance simulator with no sign up required

ifso.io8 points2 comments
Screenshot of Show HN: Ifso.io – Personal finance simulator with no sign up required

The post describes Ifso.io, a personal-finance simulator built around decision-making. The creator says it lets you enter your current finances, list life decisions (buying a home, retiring, converting a property to rental, extra mortgage principal payments, etc.), and play scenarios forward to see outcomes. The engine reportedly handles income taxes, capital gains on taxable withdrawals, retirement-account rules, loan amortization with extra principal, and Monte Carlo stress testing. The interface emphasizes easy “knobs” for year-by-year contributions and the ability to compare multiple scenarios side-by-side, with plans stored locally in the browser and an optional free sign-in for cross-device persistence.

The author frames Ifso as a reaction to existing tools they call over-complicated, arguing users should be able to tell a simulator “here’s what I want to do, how does it end up?” That emphasis on simplicity versus exhaustive feature sets is the central position: the creator prioritized a straightforward, decision-focused UI while still offering advanced calculations under the hood. The author also responds to user feedback about sign-up friction by keeping the app usable without an account but offering persistence if desired, and invites UX and feature suggestions.

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