Ifso – A personal finance simulator for major life decisions
Hello all! Ifso is a personal finance simulator that takes all of your various accounts (like taxable brokerages, retirement accounts, loans, etc) and various life events (like income changes, retirement, purchasing a home, increasing principal contributions to your home mortgage, etc.) and plays it out year by year for you. The simulation engine underneath the hood handles all of the tax math, capital gains math, investment growth rates, home appreciation, vehicle depreciation, loan amortization, and more. You can then create multiple scenarios by duplicating an existing one or creating a…
Ifso – A personal finance simulator for major life decisions launched on August 25, 2026 with 5 votes, #1,809 of 23,274 launches that month and more than 75% of that year's launches.
What it does
ifso is a financial scenario planner. Enter your income, accounts, and expenses, add a decision like buying a house at 31 or retiring at 55, and it projects each year until 90 with real tax math and tells you whether the plan holds. Free to start. Nothing connects to your bank.
Enter your finances today, add any number of decisions you're looking to make at any age, and see if you reach your financial goals. This plan funds retirement through 90 with $1.41M to spare. You retire at 60 with $1.40M and start by spending $54,979 a year. Enter your income, accounts, and expenses. Add a decision, like buying a house at 31 or retiring at 55, and ifso projects each year until 90 with real tax math. It tells you whether the plan holds, and you can compare it against a plan where you decide differently. Whether the plan stays funded to 90, or the age the money runs out. Under that, what you would retire with and what you could spend each year. This plan funds retirement…from ifso.io
In the maker’s words, at launch
Hello all! Ifso is a personal finance simulator that takes all of your various accounts (like taxable brokerages, retirement accounts, loans, etc) and various life events (like income changes, retirement, purchasing a home, increasing principal contributions to your home mortgage, etc.) and plays it out year by year…
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