[{"data":1,"prerenderedAt":844},["ShallowReactive",2],{"project-16529557":3},{"id":4,"name":5,"line":6,"line_source":7,"title":8,"url":9,"domain":10,"maker":11,"posted_at":12,"year":13,"points":14,"comments":15,"rank_in_year":16,"shown_in_year":17,"top":18,"tier":19,"category":20,"subcategory":21,"format":22,"keywords":23,"reception":27,"sentiment":28,"stance_mix":29,"scored_comments":34,"aspects":35,"strip":48,"post_text":50,"what":51,"said":61,"maker_in_thread":230,"shape":232,"grid":236,"attempts":806,"same_week":807,"maker_shows":43,"maker_hidden":837,"reader_version":838,"card":839},"16529557","Investment Calculator","A simple retirement calculator","title","Show HN: Investment Calculator – A simple retirement calculator","https:\u002F\u002Finvestmentcalculator.io\u002F","investmentcalculator.io","Calebbarclay",1520351680,2018,308,210,83,2155,4,"legend","finance_crypto","retirement calculator","web_app",[21,24,25,26],"compound interest","retirement savings","investment projection","mixed",-0.24,{"positive":30,"neutral":31,"mixed":32,"critical":33},14,36,7,39,96,{"performance":36,"execution":38,"design":40,"idea":42,"docs":45,"pricing":46},{"positive":37,"critical":30},1,{"positive":37,"critical":39},10,{"positive":41,"critical":18},5,{"positive":43,"critical":44},2,6,{"positive":37,"critical":18},{"positive":37,"critical":47},0,[37,37,37,37,47,37,37,43,41,49,49,49,49,49,37,37,37,47,47,47,47,47,47,47,49,18,37,18,43,18,37,43,37,37,18,37,37,49,43,41],3,null,{"problem":52,"audience":50,"pricing":50,"motivation":50,"time_to_build":50,"stack":58,"openness":59,"stage":60,"team_size":59},{"value":53,"source":54,"evidence":55},"Projects retirement savings growth under simple assumptions","inferred",[56],{"id":57},"post",[],"unknown","launched",{"praise":62,"objections":91,"requests":153,"questions":184,"alternatives":200},[63,83],{"value":64,"source":65,"evidence":66},"Clean, polished UI design","commenter",[67,71,75,79],{"id":68,"by":69,"text":70},"16529643","lozzo","Impressive. I imagine lots effort has been put into making the user interface as clean as possible. It's a pleasure to fiddle with the parameters and see the impact on the…",{"id":72,"by":73,"text":74},"16532519","stockkid","I very much enjoyed the design of the website. It is very similar to that of Stripe.",{"id":76,"by":77,"text":78},"16529902","Sukram21","Looks really nice and polished, thanks for sharing! Sorry for asking, but what exactly does the icon of the bag with money in the diagram indicate?",{"id":80,"by":81,"text":82},"16533340","sarreph","Great design... Only nitpick with the UI is the slider control: it feels scroll-jacky and doesn't offer a manual number input.",{"value":84,"source":65,"evidence":85},"Easy to adjust parameters and see the curves change",[86,87],{"id":68,"by":69,"text":70},{"id":88,"by":89,"text":90},"16529773","jartelt","Great interface, but I would find it more useful I could pick an estimate rate of return for my investments and choose the rate of inflation. It's also be useful for there to be…",[92,111,130,134],{"value":93,"source":65,"evidence":94},"Return assumptions (9% conservative, 12% aggressive) are far too optimistic",[95,99,103,107],{"id":96,"by":97,"text":98},"16530129","teej","Yeah, it's also using a 9% rate of return for the \"conservative\" scenario and 12% for aggressive. Due to the exponential nature of compound interest, just a single point of…",{"id":100,"by":101,"text":102},"16530046","thetwentyone","Be careful with this: The projections are gross (ie not inflation-adjusted) and the advice buried in the explanatory text below does not sufficiently discuss this issue. It says…",{"id":104,"by":105,"text":106},"16530307","ryandrake","Yowzers! Please tell me what this magical investment is where I can expect an average rate of return of 9% (let alone 12%). That is off the charts optimistic.",{"id":108,"by":109,"text":110},"16530026","allsunny","I love the simplicity and the look of the UI. Unfortunately I think the simplicity means that very important parameters are being left out. Ideally, you should be able to specify…",{"value":112,"source":65,"evidence":113},"Inflation math in the FAQ is wrong ($1.25m minus $45k is not $880k)",[114,118,122,126],{"id":115,"by":116,"text":117},"16532182","_lex","\"In order to get a good understanding of the purchasing power of your future retirement savings for today, you can do a “simple” calculation: Take your total retirement savings…",{"id":119,"by":120,"text":121},"16531818","cure","From the FAQ: What is my retirements purchasing power today? Inflation is inevitable. If that word is new to you, it simply determines how much purchasing power your dollar has.…",{"id":123,"by":124,"text":125},"16530413","pjholmes","Math error: $1.25m - $45k is not $880k. It's 1.205M.",{"id":127,"by":128,"text":129},"16530086","rudolph_codes","I think `$1.25m - $45k = $880k` should be `$1.25m - $45k = $1.205m`. $45k is $45,000 and not $450,000.",{"value":131,"source":65,"evidence":132},"Projections are nominal, not inflation-adjusted",[133],{"id":100,"by":101,"text":102},{"value":135,"source":65,"evidence":136},"Confusing inputs and unclear meaning of aggressive and conservative",[137,141,145,149],{"id":138,"by":139,"text":140},"16532879","alphaoide","You desperately need to grab someone from the street and see if he knows what he's looking at. The UI is not very intuitive, or you have specific target audience. - Age range…",{"id":142,"by":143,"text":144},"16529755","pedro_hab","I'd like to know what aggressive\u002Fconservative means, and also be able change it, aggressive in the US might be different than in other countries.",{"id":146,"by":147,"text":148},"16529860","uptown","\"How much do you currently have saved?\" What does this mean? Cash? Illiquid assets? Retirement funds?",{"id":150,"by":151,"text":152},"16530090","poster123","It should be possible to click on or hover over \"aggressive\" and \"conservative\" and see what the assumptions are. And the simulations must be account for volatility to be useful.…",[154,163,172,176],{"value":155,"source":65,"evidence":156},"Let users set rate of return and inflation rate",[157,158,159],{"id":108,"by":109,"text":110},{"id":88,"by":89,"text":90},{"id":160,"by":161,"text":162},"16530301","naiyt","5% for conservative and 7% for aggressive would have been better choices...I know the goal was to make this calculator simple, but those values should have be configurable with…",{"value":164,"source":65,"evidence":165},"Explain what aggressive and conservative mean and show assumptions",[166,167,168],{"id":150,"by":151,"text":152},{"id":142,"by":143,"text":144},{"id":169,"by":170,"text":171},"16532545","sparky_","The tool fails to explain what specific investments it's modelling this on. I'm assuming ETFs, but those returns seem suspiciously high.",{"value":173,"source":65,"evidence":174},"Account for volatility in simulations",[175],{"id":150,"by":151,"text":152},{"value":177,"source":65,"evidence":178},"Support for a max-401k option and major expenses",[179,180],{"id":88,"by":89,"text":90},{"id":181,"by":182,"text":183},"16529725","tootie","How come I can't say how many major expenditures I'm planning? I got to put 2 kids through college and buy a house.",[185,193],{"value":186,"source":65,"evidence":187},"Which funds or investments are the return rates based on?",[188,189],{"id":169,"by":170,"text":171},{"id":190,"by":191,"text":192},"16529730","prometheuspk","Would be really nice if you could add funds & portfolios. Also how are you calculating growth rate? which funds?",{"value":194,"source":65,"evidence":195},"Does it assume you live forever or die at some age?",[196],{"id":197,"by":198,"text":199},"16529824","WalterGR","Does this assume that I'll live forever, or that I'll die some day?",[201,212,219,226],{"value":202,"source":65,"evidence":203},"FIRECalc",[204,208],{"id":205,"by":206,"text":207},"16529857","compiler-guy","Those seeking a much more sophisticated retirement calculator, where you can set nearly every parameter, such as rate of return, amount saved, and nearly everything else, should…",{"id":209,"by":210,"text":211},"16530541","gowld","http:\u002F\u002Ffirecalc.com has better math and less distracting gunk like the nonsense ways to \"Save more\"",{"value":213,"source":65,"evidence":214},"Vanguard retirement nest egg calculator",[215],{"id":216,"by":217,"text":218},"16530846","modeless","As others have noted the assumptions in this calculator are dangerously optimistic. The only simple retirement calculator you need is here:…",{"value":220,"source":65,"evidence":221},"Personal Capital retirement planner",[222],{"id":223,"by":224,"text":225},"16535077","cowholio4","Pretty cool! I use the \"Retirement Planner\" from Personal Capital (like Mint but for investments) Some of the notable features are: - Adding future income events (social…",{"value":227,"source":65,"evidence":228},"AARP retirement calculator",[229],{"id":108,"by":109,"text":110},{"comments":47,"answered":47,"key":231},[],{"commenters":233,"max_depth":39,"maker_replies":47,"first_comment_mins":234,"lifespan_hours":235},129,11,47,[237,239,240,244,246,249,252,255,256,260,263,266,269,270,274,277,280,283,286,289,291,293,295,297,299,301,303,305,307,310,313,316,318,320,323,325,328,331,335,339,342,345,348,351,354,357,360,362,365,368,371,372,375,378,380,383,385,389,392,395,398,401,404,406,409,411,414,417,419,421,424,426,429,432,433,436,439,442,445,446,448,452,454,457,460,461,463,466,469,472,475,479,482,485,488,490,492,494,497,500,502,505,507,509,511,514,516,518,521,523,526,528,531,534,536,539,541,543,546,548,550,552,555,557,559,561,563,566,569,571,574,575,578,581,586,588,591,593,596,598,600,605,608,610,612,614,619,622,626,630,633,635,638,641,645,647,651,654,656,659,661,663,667,670,672,674,677,679,681,685,689,693,695,697,700,704,706,709,711,715,717,721,725,727,731,734,738,740,744,746,748,751,753,755,759,761,763,765,768,771,772,776,781,783,785,787,790,794,798,802],[100,47,37,238,101,47],"project\u002Fcritical\u002Fperformance",[96,47,37,238,97,47],[241,47,47,242,243,47],"16530151","commenter\u002Fneutral\u002Fnone","shove",[245,47,47,242,109,47],"16530188",[247,47,37,238,248,47],"16530254","hiram112",[250,47,47,242,251,47],"16530292","ptero",[253,47,47,254,97,47],"16530374","other\u002Fneutral\u002Fnone",[160,47,37,238,161,47],[257,47,37,258,259,47],"16530306","project\u002Fcritical\u002Fexecution","dclowd9901",[261,47,47,254,262,47],"16533823","astura",[264,47,47,254,265,47],"16536030","TomMarius",[267,47,47,242,268,47],"16534350","internetman55",[104,47,37,238,105,47],[271,47,49,272,273,47],"16531213","project\u002Fneutral\u002Fperformance","cecilpl2",[275,47,37,238,276,47],"16531679","Nokinside",[278,47,37,238,279,47],"16531892","yellowstuff",[281,47,37,238,282,47],"16532042","shoo",[284,47,49,272,285,47],"16531433","IanCal",[287,47,47,254,288,47],"16532429","akvadrako",[290,47,47,254,206,47],"16532720",[292,47,47,254,288,47],"16535582",[294,47,47,242,206,47],"16544849",[296,47,47,242,262,47],"16533807",[298,47,47,242,288,47],"16535584",[300,47,47,254,262,47],"16536060",[302,47,47,242,288,47],"16536612",[304,47,47,242,262,47],"16540899",[306,47,47,242,288,47],"16543409",[308,47,47,254,309,47],"16534154","Spooky23",[311,47,37,238,312,47],"16530536","piracykills",[314,47,49,272,315,47],"16531406","jonknee",[317,47,47,242,97,47],"16531567",[319,47,47,242,315,47],"16531773",[321,47,47,242,322,47],"16532024","stochastastic",[324,47,47,242,309,47],"16534163",[326,47,37,238,327,47],"16535369","soVeryTired",[329,47,47,254,330,47],"16531162","gaius",[332,47,37,333,334,47],"16532236","project\u002Fcritical\u002Fdesign","Zanni",[336,47,49,337,338,47],"16532307","project\u002Fneutral\u002Fdesign","OrwellianChild",[340,47,49,341,262,47],"16533850","project\u002Fneutral\u002Fidea",[343,47,49,344,251,47],"16530257","project\u002Fmixed\u002Fperformance",[346,47,47,242,347,47],"16531460","AustinGrandt",[349,47,47,242,350,47],"16531576","folkhack",[352,47,41,353,347,47],"16531593","maker\u002Fpositive\u002Fdesign",[355,47,41,356,350,47],"16531886","maker\u002Fpositive\u002Fnone",[358,47,47,242,359,47],"16531678","asaph",[361,47,47,242,350,47],"16531948",[363,47,49,337,364,47],"16532360","neogodless",[366,47,49,367,347,47],"16532430","maker\u002Fneutral\u002Fdesign",[369,47,49,344,370,47],"16532088","pascalxus",[205,37,47,254,206,47],[373,37,47,254,374,47],"16530008","kc10",[376,37,47,254,377,47],"16530025","ttul",[379,37,47,254,109,47],"16530105",[381,37,47,254,382,47],"16530544","fokinsean",[384,37,47,254,97,47],"16530214",[386,37,49,387,388,47],"16530594","project\u002Fneutral\u002Fnone","loeg",[390,37,37,391,210,47],"16530549","project\u002Fcritical\u002Fidea",[393,37,41,394,377,47],"16530018","project\u002Fpositive\u002Fidea",[396,37,49,341,397,47],"16530580","chrisan",[399,37,47,254,400,47],"16530996","enumjorge",[402,37,47,254,403,47],"16531047","CompelTechnic",[405,37,47,242,262,47],"16534040",[407,37,47,242,408,47],"16535051","el_cid",[410,37,47,242,262,47],"16536018",[412,37,47,254,413,47],"16531075","__blockcipher__",[415,37,49,337,416,47],"16531295","yanslookup",[418,37,49,337,206,47],"16531417",[420,37,47,254,285,47],"16531465",[422,37,49,337,423,47],"16532219","xbryanx",[425,37,49,337,285,47],"16532590",[427,37,47,254,428,47],"16531527","jonbarker",[430,37,47,254,431,47],"16532149","SubiculumCode",[115,43,37,258,116,47],[434,43,37,258,435,47],"16532433","portman",[437,43,47,438,116,47],"16532622","commenter\u002Fcritical\u002Fexecution",[440,43,37,258,441,47],"16532957","kornish",[443,43,37,444,273,47],"16533353","project\u002Fcritical\u002Fdocs",[119,49,37,444,120,47],[447,49,37,444,262,47],"16534009",[449,18,49,450,451,47],"16530034","project\u002Fmixed\u002Fidea","ReadingInBed",[453,18,37,238,109,47],"16530082",[455,18,49,272,456,47],"16531368","sp332",[458,18,49,337,459,47],"16530183","jonwachob91",[108,41,49,344,109,47],[462,44,37,258,459,47],"16530048",[464,44,47,465,388,47],"16530602","commenter\u002Fneutral\u002Fexecution",[467,32,47,254,468,47],"16529942","davidw",[470,32,47,254,471,47],"16529965","ram_rar",[473,32,47,254,474,47],"16530268","psyc",[476,477,47,254,478,47],"16529884",8,"mcovey",[480,477,47,254,481,47],"16529954","toomuchtodo",[483,477,47,254,484,47],"16529967","metalliqaz",[486,477,47,254,487,47],"16530066","snowwrestler",[489,477,47,254,109,47],"16530124",[491,477,47,254,484,47],"16530209",[493,477,47,254,484,47],"16530176",[495,477,47,254,496,47],"16530302","function_seven",[498,477,47,254,499,47],"16530722","dbajakkchs",[501,477,47,254,413,47],"16531490",[503,477,47,254,504,47],"16532192","BeetleB",[506,477,47,254,151,47],"16530198",[508,477,47,254,210,47],"16530577",[510,477,47,254,499,47],"16530710",[512,477,47,242,513,47],"16530004","5555624",[515,477,47,254,388,47],"16530626",[517,477,47,254,481,47],"16530726",[519,477,47,254,520,47],"16530042","matte_black",[522,477,47,254,210,47],"16530567",[524,477,47,254,525,47],"16530325","bduerst",[527,477,47,254,481,47],"16530342",[529,477,47,254,530,47],"16530639","sf_rob",[532,477,47,254,533,47],"16533168","toephu2",[535,477,47,254,530,47],"16533462",[537,477,47,242,538,47],"16530457","Veelox",[540,477,47,242,210,47],"16530554",[542,477,47,242,538,47],"16530841",[544,477,47,254,545,47],"16530596","sokoloff",[547,477,47,254,105,47],"16530616",[549,477,47,254,530,47],"16530775",[551,477,47,242,538,47],"16530870",[553,477,47,242,554,47],"16531607","cryoshon",[556,477,47,242,538,47],"16531895",[558,477,47,242,554,47],"16532017",[560,477,47,242,538,47],"16532365",[562,477,47,242,504,47],"16532162",[564,477,47,254,565,47],"16533107","poulsbohemian",[567,477,47,242,568,47],"16534565","jbdubwub",[570,477,47,242,262,47],"16534129",[209,572,41,573,210,47],9,"project\u002Fpositive\u002Fexecution",[150,39,37,238,151,47],[576,234,49,341,577,47],"16530332","newscracker",[88,579,49,580,89,47],12,"project\u002Fmixed\u002Fdesign",[582,583,41,584,585,47],"16530859",13,"maker\u002Fpositive\u002Fdocs","makalumhenders",[587,583,47,242,554,47],"16531621",[589,30,47,254,590,47],"16529897","matt_wulfeck",[592,30,47,242,484,47],"16529959",[594,30,47,242,595,47],"16530036","nsriv",[597,30,47,242,105,47],"16530265",[599,30,47,242,210,47],"16530586",[601,602,37,603,604,47],"16534790",15,"project\u002Fcritical\u002Fnone","BugsJustFindMe",[606,602,49,387,607,47],"16534801","flukus",[609,602,37,258,604,47],"16534837",[68,611,49,580,69,47],16,[613,611,49,337,143,47],"16529768",[615,616,41,617,618,47],"16529683",17,"project\u002Fpositive\u002Fnone","Kerrick",[620,616,41,621,224,47],"16533814","project\u002Fpositive\u002Fpricing",[623,624,37,333,625,47],"16530110",18,"ixtli",[627,628,49,341,629,47],"16530156",19,"miguelrochefort",[631,628,47,242,632,47],"16530845","xchaotic",[634,628,47,242,629,47],"16536733",[636,628,49,272,637,47],"16532166","amdavidson",[639,628,47,242,640,47],"16535062","MagnumOpus",[642,643,49,341,644,47],"16533876",20,"robzyb",[223,646,41,394,224,47],21,[648,649,49,341,650,47],"16529892",22,"beefman",[652,649,47,242,653,47],"16529989","lbotos",[655,649,47,242,650,47],"16530097",[657,649,47,242,658,47],"16531085","jogjayr",[660,649,47,242,650,47],"16531850",[662,649,47,242,658,47],"16531968",[664,665,37,333,666,47],"16532006",23,"garethsprice",[142,668,49,669,143,47],24,"project\u002Fneutral\u002Fdocs",[671,668,49,669,459,47],"16530055",[673,668,49,669,143,47],"16531537",[675,676,49,341,359,47],"16530314",25,[169,678,37,444,170,47],26,[216,680,37,238,217,47],27,[682,683,37,391,684,47],"16532733",28,"m3kw9",[686,687,49,341,688,47],"16531916",29,"codingdave",[690,691,37,391,692,47],"16531957",30,"andrewmcwatters",[694,691,37,391,262,47],"16534265",[190,696,49,341,191,47],31,[698,699,37,238,632,47],"16530803",32,[701,702,47,254,703,47],"16530054",33,"burkel24",[146,705,49,669,147,47],34,[707,705,47,242,708,47],"16529928","gk1",[710,705,47,242,637,47],"16532155",[712,713,49,337,714,47],"16531695",35,"alpb",[72,31,41,716,73,47],"project\u002Fpositive\u002Fdesign",[718,719,41,716,720,47],"16532136",37,"avenoir",[722,723,37,258,724,47],"16534290",38,"andyv",[726,33,49,341,520,47],"16530081",[728,33,47,729,730,47],"16530185","other\u002Fneutral\u002Fidea","iambateman",[732,33,47,729,733,47],"16530390","Jtsummers",[735,33,47,736,737,47],"16531414","other\u002Fpositive\u002Fnone","WesleyLivesay",[739,33,47,729,210,47],"16530592",[741,742,37,258,743,47],"16529844",40,"gsylvie",[745,742,47,242,478,47],"16529894",[123,747,37,258,124,47],41,[749,750,49,272,416,47],"16529909",42,[752,750,47,254,484,47],"16529975",[754,750,47,254,330,47],"16531191",[756,757,37,391,758,47],"16535293",43,"coinerone",[138,760,37,333,139,47],44,[80,762,49,580,81,47],45,[76,764,41,716,77,47],46,[766,764,49,337,767,47],"16530074","davidjhall",[769,764,49,337,770,47],"16530094","dmart",[181,235,37,391,182,47],[773,235,47,774,775,47],"16529742","commenter\u002Fneutral\u002Fidea","kss238",[777,778,41,779,780,47],"16529863",48,"project\u002Fpositive\u002Fperformance","johntiger1",[127,782,37,258,128,47],49,[197,784,49,341,198,47],50,[786,784,49,341,198,47],"16531488",[788,784,47,774,789,47],"16534118","leetcrew",[791,792,47,254,793,47],"16532106",51,"kablamo",[795,796,47,254,797,47],"16531017",52,"adyavanapalli",[799,800,41,356,801,47],"16530024",53,"scotchio",[803,804,41,353,805,47],"16532169",54,"bgdkbtv",[],[808,813,818,823,828,833],{"id":809,"name":810,"points":811,"category":812},"16535358","Mathpix",456,"ai",{"id":814,"name":815,"points":816,"category":817},"16490595","Graphite",330,"productivity",{"id":819,"name":820,"points":821,"category":822},"16521385","Hearth",315,"infrastructure",{"id":824,"name":825,"points":826,"category":827},"16513916","Emacs Anywhere",248,"dev_tools",{"id":829,"name":830,"points":831,"category":832},"16520955","Hacking a Mercedes GLA Class Ride-on kids car",221,"hardware",{"id":834,"name":835,"points":836,"category":827},"16540529","Subform",219,false,"v2",{"id":840,"name":5,"line":6,"ai":837,"cat":20,"year":13,"points":14,"comments":15,"rec":27,"s":28,"top":18,"kw":841,"maker":11,"domain":10,"tier":19,"attempts":47,"strip":842,"url":9,"mix":843,"praise":64,"objection":93,"sub":21},16529557,[21,24,25,26],"1111011253333311100000003414241211411325",[30,31,32,33],1794036563991]