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Commerce · March 13, 2026

Waterfall Planning

Merging simple personal finance and data privacy for Gen X.

What it does

Waterfall Planning was built to be the first personal finance software that allows users of any background or sophistication to build a meaningful financial plan. All aligned with the focus of never linking an account for those who are focused on data privacy/security. The product fills the massive gap that currently sits between a basic DIY spreadsheet and the highly complex/pricey lineup of personal finance software leaders today.

Does the same job

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  • IS
    I spent 2 years building a personal finance simulator2023 · projectionlab.com · ▲766

    Hey everyone! After another year of building as a solo dev on nights and weekends, I'm back with an update on this post: https://news.ycombinator.com/item?id=31083093. TL;DR - ProjectionLab (https://projectionlab.com) is a privacy-friendly personal finance planning tool where you can create financial plans that go beyond the standard online retirement calculators. And by popular request, it now supports self-hosting for Lifetime users! Something I'm grateful for is that our community here on HN is the difference between PL existing and not. There was actually a time…

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