When Will I Run Out Of Money? (weekend project)
Hi everyone, I’ve been on Hacker News for a good number of years, but this is my first “Show HN”. I changed jobs recently. Tax is weird in Europe (and maybe other places as well?) in that different amounts go out at different times and repeat at various intervals. I needed to make sure I had enough cashflow to make all upcoming payments, I didn't want any surprises. So I created a little tool for my own purposes, then had fun putting a small HTML frontend on it as I thought it might be useful for someone else. I'm a backend developer in my day job, as you can probably tell from the design :)…
In plain words
When Will I Run Out Of Money? is a cashflow forecasting tool that helps users track irregular payments and recurring expenses at different intervals to identify shortfalls. Designed for freelancers and employees in regions with complex tax structures, it models future cash positions without requiring users to upload sensitive financial data to external servers. The tool runs entirely client-side, offering privacy-conscious individuals a way to plan for upcoming bills and tax payments without subscription costs.
written from the facts on this page · September 2026
From the sources
In the maker’s words, at launch
Hi everyone, I’ve been on Hacker News for a good number of years, but this is my first “Show HN”. I changed jobs recently. Tax is weird in Europe (and maybe other places as well?) in that different amounts go out at different times and repeat at various intervals. I needed to make sure I had enough cashflow to make all upcoming payments, I didn't want any surprises. So I created a little tool for my own purposes, then had fun putting a small HTML frontend on it as I thought it might be useful for someone else. I'm a backend developer in my day job, as you can probably tell from the design :) There are other tools out there that do a similar thing, but they normally require you to upload the relevant data to other people's servers, which I wasn't comfortable with for financial data. Also I didn't fancy paying anyone for a service as small as this. I'm posting it here in the hope that it's useful to someone. And to gather feedback, let me know what you think.
Does a similar job
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We’re Scott and Sunny—two long-time personal finance nerds. When we met 6 years ago we compared our personal finance spreadsheets. Ours were packed with macros, scenarios, and tax modeling—but even then, found they were not complete. Planning for financial independence is hard, and the cost of mistakes is high. So we built the tool we always wanted: MoneyOnFIRE. MOF calculates a personalized, tax-aware roadmap to financial independence—across account types, life goals, and withdrawal strategies. It shows you not just if you can achieve financial indepdendence, but how, when, and what to…
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