[{"data":1,"prerenderedAt":409},["ShallowReactive",2],{"project-37996802":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":29,"sentiment":30,"stance_mix":31,"scored_comments":36,"aspects":37,"strip":43,"post_text":45,"what":46,"said":75,"maker_in_thread":223,"shape":235,"grid":237,"attempts":372,"same_week":373,"maker_shows":320,"maker_hidden":401,"reader_version":402,"card":403},"37996802","Fire UK Calculator","Fire UK Calculator and Visualiser","title","Show HN: Fire UK Calculator and Visualiser","https:\u002F\u002Ffire.picheta.me\u002Fuk","fire.picheta.me","dom96",1698141095,2023,51,61,1059,3109,35,"notable","finance_crypto","retirement planning calculator","web_app",[24,25,26,27,28],"fire calculator","uk retirement planning","early retirement","isa savings","financial independence","curious",0.176,{"positive":32,"neutral":33,"mixed":34,"critical":35},7,10,0,3,20,{"idea":38,"design":40,"docs":41},{"positive":39,"critical":39},2,{"positive":39,"critical":34},{"positive":42,"critical":34},1,[44,44,42,34,34,34,34,34,34,34,34,42,34,34,34,34,34,34,35,34,35,35,42,34,35,34,35,44,44,34,34,44,35,44,35,34,44,35,35,35],5,null,{"problem":47,"audience":45,"pricing":45,"motivation":45,"time_to_build":45,"stack":58,"openness":74,"stage":74,"team_size":74},{"value":48,"source":49,"evidence":50},"Models how savings, spending and retirement age affect whether someone can retire early","commenter",[51,54],{"id":52,"by":11,"text":53},"37998381","Thanks! Just to make sure I understand your suggestion correctly: you mean you input your earnings and age of retirement and the tool tells you how much you should spend to use…",{"id":55,"by":56,"text":57},"37998339","ralferoo","Nice tool for experimenting with a couple of hypothetical cases, like what if I save a bit more or spend a bit less. It was quite surprising how much delaying retirement by one…",[59,66,70],{"value":60,"source":61,"evidence":62},"Tailwind","maker",[63],{"id":64,"by":11,"text":65},"37998582","Thanks for the kind words! I'm using Tailwind + React + recharts. The design itself is pretty custom and doesn't use anything off-the-shelf. I basically use Tailwind like a…",{"value":67,"source":61,"evidence":68},"React",[69],{"id":64,"by":11,"text":65},{"value":71,"source":61,"evidence":72},"recharts",[73],{"id":64,"by":11,"text":65},"unknown",{"praise":76,"objections":100,"requests":132,"questions":171,"alternatives":187},[77,92],{"value":78,"source":49,"evidence":79},"Clear, easy to understand interface",[80,84,88],{"id":81,"by":82,"text":83},"37998245","Tycho","Really nice piece of work. Very easy to understand. It would be good if it could tell you a retirement spending number given all the other constraints (assuming you want to draw…",{"id":85,"by":86,"text":87},"37998509","sea-shunned","I agree that adding state pension would be useful, though that's another layer of maintenance... Real slick though and very clear, thanks for putting it together! Would you mind…",{"id":89,"by":90,"text":91},"37998932","davkap92","Nice interface, a few tweak suggestions, its not clear when things are auto updating maybe some more indicators some tooltips, such as retirement spending, is that annual? nice…",{"value":93,"source":49,"evidence":94},"Useful for testing savings and retirement age scenarios",[95,96],{"id":55,"by":56,"text":57},{"id":97,"by":98,"text":99},"37998900","baz00","Oh good. I'm not going to die in poverty. Going to celebrate a little now :) Seriously though, excellent tool. This is the sort of thing that big fintechs are selling clients for…",[101,111,121],{"value":102,"source":61,"evidence":103},"Ignores state pension",[104,108],{"id":105,"by":106,"text":107},"37997875","Joeboy","This doesn't factor in the state pension, right?",{"id":109,"by":11,"text":110},"37997979","Indeed it doesn't.",{"value":112,"source":61,"evidence":113},"Does not account for tax on pension withdrawals or GIA capital gains",[114,118],{"id":115,"by":116,"text":117},"37998172","nly","What about tax on private pension withdrawals?",{"id":119,"by":11,"text":120},"37998199","It's on my todo to implement this in some form, but not accounted for yet. But you can reduce the returns percentage on your investments to account for it. Note though that…",{"value":122,"source":49,"evidence":123},"Assumes full ISA filling and a high savings rate",[124,128],{"id":125,"by":126,"text":127},"37998105","xnorswap","The default assumption here that someone has £30,000 per year to put into savings seems a little bit high for most UK salaries?",{"id":129,"by":130,"text":131},"37998668","mattlondon","This is slightly confusing - it seems to factor in some magical S&S ISA income regardless of what amounts I put into existing S&S ISA. I am assuming it thinks that I will always…",[133,141,153,160,167],{"value":134,"source":49,"evidence":135},"Add state pension as income",[136,140],{"id":137,"by":138,"text":139},"38001723","jackjeff","It’s really good. I agree with the state pension comment. Maybe add as an additional income with a few settings set to suitable defaults - start age (66) - weekly amount…",{"id":55,"by":56,"text":57},{"value":142,"source":49,"evidence":143},"Add tooltips explaining terms like GIA and safe withdrawal rate",[144,148,152],{"id":145,"by":146,"text":147},"37997530","gregn610","Nice. Does GIA mean General Investment Account? Maybe some tooltips?",{"id":149,"by":150,"text":151},"37997822","hermitcrab","Nice job. I also didn't know what GIA was an would appreciate some tooltips.",{"id":89,"by":90,"text":91},{"value":154,"source":49,"evidence":155},"Solve for sustainable retirement spending",[156,157],{"id":81,"by":82,"text":83},{"id":158,"by":82,"text":159},"37999735","Yes, that’s what I mean. And you are right, adjusting the numbers works. I suggested it after upping my monthly savings inputs and then noticed that at end-of-life there was…",{"value":161,"source":49,"evidence":162},"Support for two people with different incomes",[163],{"id":164,"by":165,"text":166},"38017905","te_chris","For two people on different incomes, life phases etc",{"value":168,"source":49,"evidence":169},"Put URL parameters after # to avoid server logging",[170],{"id":55,"by":56,"text":57},[172,179,183],{"value":173,"source":49,"evidence":174},"What is the safe withdrawal rate and how is it used",[175],{"id":176,"by":177,"text":178},"38000743","drexlspivey","What is “Safe withdrawal rate”? Also does it take into account capital gains on GIA?",{"value":180,"source":49,"evidence":181},"Does it account for capital gains on GIA",[182],{"id":176,"by":177,"text":178},{"value":184,"source":49,"evidence":185},"What tech is it built with",[186],{"id":85,"by":86,"text":87},[188,198,205,209,216],{"value":189,"source":49,"evidence":190},"Voyant",[191,194],{"id":192,"by":116,"text":193},"37997716","Tbh most of the interesting retirement planning problems are in planning for life events along the way. The advantage of proper modelling solutions like Voyant is that you can…",{"id":195,"by":196,"text":197},"38000307","zparky","A tool [0] that has a free tier and was quite fun to play around with was posted a little bit ago, projectionlab. [0]: https:\u002F\u002Fprojectionlab.com",{"value":199,"source":49,"evidence":200},"savingtool.co.uk",[201],{"id":202,"by":203,"text":204},"37998253","sgb_QQ","Check out https:\u002F\u002Fsavingtool.co.uk for a similar tool, but it does tax calculations too.",{"value":206,"source":49,"evidence":207},"ProjectionLab",[208],{"id":195,"by":196,"text":197},{"value":210,"source":49,"evidence":211},"Timeline",[212,213],{"id":195,"by":196,"text":197},{"id":214,"by":116,"text":215},"37998101","Voyant https:\u002F\u002Fwww.planwithvoyant.co.uk\u002Fcontent\u002Fen_GB\u002Findex.html Unfortunately the cheapest sort of access to this product is around £120\u002Fyr via an advisor sponsored…",{"value":217,"source":49,"evidence":218},"colorfulwolf retirement calculator",[219],{"id":220,"by":221,"text":222},"37999633","rheide","Nice. I made something similar a couple of years ago: https:\u002F\u002Fwww.colorfulwolf.com\u002Fretirement\u002F",{"comments":224,"answered":44,"key":225},15,[226,229,232],{"id":227,"text":228},"37998521","Good point. I will look into switching to using # instead.",{"id":230,"text":231},"38005697","What are these shitcos you speak of?",{"id":233,"text":234},"38011291","There are still some small amounts of opportunities that can allow you to come from a poor background and become well off. I'm mainly thinking of tech jobs that pay well, but yes…",{"commenters":18,"max_depth":44,"maker_replies":224,"first_comment_mins":236,"lifespan_hours":18},98,[238,240,242,244,246,250,254,257,259,262,264,267,269,272,275,278,281,285,288,291,293,295,298,300,301,304,305,307,309,312,314,317,319,321,323,324,326,329,330,331,332,333,336,338,339,341,343,345,347,348,349,350,352,355,358,360,363,365,367,368,370],[55,34,44,239,56,34],"project\u002Fpositive\u002Fnone",[227,34,34,241,11,42],"maker\u002Fneutral\u002Fprivacy",[137,34,44,243,138,34],"project\u002Fpositive\u002Fidea",[125,42,42,245,126,34],"project\u002Fcritical\u002Fnone",[247,42,34,248,249,34],"37998145","commenter\u002Fneutral\u002Fnone","reedf1",[251,42,34,252,253,34],"37999450","other\u002Fneutral\u002Fnone","beezlebroxxxxxx",[255,42,34,248,256,34],"37998194","intelVISA",[258,42,34,248,249,34],"37998291",[260,42,34,248,261,34],"37999718","AdamN",[263,42,34,248,126,34],"37999893",[265,42,34,252,266,34],"38004542","varispeed",[268,42,34,248,126,34],"37998349",[270,42,34,248,271,34],"37998587","willsmith72",[273,42,34,248,274,34],"37999749","CalRobert",[276,42,34,248,277,34],"37998590","dukeyukey",[279,42,34,248,280,34],"37999719","bufio",[282,39,42,283,284,34],"37999134","project\u002Fcritical\u002Fidea","stuaxo",[286,39,34,252,287,34],"37999228","throwaway22032",[289,39,34,252,290,34],"37999391","geraldwhen",[292,39,34,252,274,34],"37999739",[294,39,34,252,277,34],"37999859",[296,39,34,252,297,34],"38001230","jermaustin1",[299,39,34,252,290,34],"38003298",[230,39,34,248,11,42],[302,39,34,252,303,34],"38010466","globular-toast",[233,39,34,252,11,42],[306,39,34,252,303,34],"38012421",[192,35,35,308,116,34],"project\u002Fneutral\u002Fidea",[310,35,34,311,11,42],"37998061","maker\u002Fneutral\u002Fnone",[214,35,34,313,116,34],"other\u002Fneutral\u002Fpricing",[315,35,34,252,316,34],"37998274","bitdivision",[195,35,35,318,196,34],"project\u002Fneutral\u002Fnone",[202,320,35,318,203,34],4,[322,320,34,311,11,42],"37998598",[129,320,42,283,130,34],[325,320,34,252,203,34],"37998954",[327,320,34,252,328,34],"37999350","Liquid_Fire",[105,44,35,318,106,34],[109,44,34,311,11,42],[115,44,35,318,116,34],[119,44,34,311,11,42],[85,334,44,335,86,34],6,"project\u002Fpositive\u002Fdesign",[64,334,34,337,11,42],"maker\u002Fneutral\u002Fdesign",[97,32,44,239,98,34],[340,32,34,311,11,42],"37999273",[220,342,34,252,221,34],8,[344,342,34,311,11,42],"38000281",[81,346,44,243,82,34],9,[52,346,34,311,11,42],[158,346,35,311,82,34],[89,33,44,335,90,34],[351,33,34,311,11,42],"37999265",[145,353,35,354,146,34],11,"project\u002Fneutral\u002Fdocs",[356,353,34,252,357,34],"37997755","kmlx",[149,353,44,359,150,34],"project\u002Fpositive\u002Fdocs",[361,353,34,362,11,42],"37997987","maker\u002Fneutral\u002Fdocs",[364,353,35,308,165,34],"37998323",[366,353,34,311,11,42],"37998599",[164,353,35,308,165,34],[176,369,35,354,177,34],12,[371,369,34,362,11,42],"38001771",[],[374,379,383,387,392,397],{"id":375,"name":376,"points":377,"category":378},"38012032","OpenAPI DevTools",811,"dev_tools",{"id":380,"name":381,"points":382,"category":378},"37943931","Autotab",376,{"id":384,"name":385,"points":386,"category":378},"37981683","Pypipe",213,{"id":388,"name":389,"points":390,"category":391},"38006814","Restaurants in Peace",181,"consumer_social",{"id":393,"name":394,"points":395,"category":396},"37956065","CFR[]",176,"creative",{"id":398,"name":399,"points":400,"category":378},"37995761","Revert",168,false,"v2",{"id":404,"name":5,"line":6,"ai":401,"cat":20,"year":13,"points":14,"comments":15,"rec":29,"s":405,"top":18,"kw":406,"maker":11,"domain":10,"tier":19,"attempts":34,"strip":407,"url":9,"mix":408,"praise":78,"objection":102,"sub":21},37996802,0.18,[24,25,26,27,28],"5510000000010000003033103035500535305333",[32,33,34,35],1794036643615]