Show HN: I spent 2 years building a personal finance simulator
Quick feedback first<p>It looks great. I&#x27;d love to dig in to it more.<p>I know you&#x27;ve seen this elsewhere but I don&#x27;t think I&#x27;d pay quite that much for the product, and the blow-away-everything of the free model means I&#x27;d probably not come back again.<p>The housing screen should let you fill in your full payment amount but ask if any of it is escrow&#x2F;PII or anything else beyond P&amp;I.<p>A pet peeve with mortgage offers I get in the mail, email, from my bank, etc, is they all know my monthly payment but that payment includes escrow for taxes and insurance. This leads to me getting offers telling me how much I&#x27;ll save when their offer is actually higher than what I&#x27;ve got (especially true now that rates are higher). I felt the same moment of annoyance when I entered my payment amount and saw I&#x27;d have it paid off in half the time I actually will.<p>Back to cost for a moment.<p>Like many others, I do my own tracking today, which has a cost in time of course. Since it&#x27;s coming from my free time I tend to value it in terms of what else I could be doing, and mentally to me that&#x27;s the &quot;movie model&quot;. I spend perhaps 15 minutes twice a month tracking my expenses, debt, etc and in movie terms (a ticket is $18 and provides about 2.5 hours of entertainment) that&#x27;s about worth about $3 to me.<p>And because I take the time to look at my expenses regularly, I really, really, really try to avoid any kind of recurring costs when possible. I think this is probably true for a lot of your audience.