This looks awesome! It's exactly what I've been looking for; not a tool for investment geeks, but a practical, everyday, personal finance app. Just signed up for a trial!
Some feedback I have after I signed up and filled out my finances and financial plan:
- It would be nice to somehow get back to the original wizard that I went through when I signed up. Could swear there were some things such as "spend my remaining income" or whatever that I can't seem to find elsewhere in the app. (EDIT: I found this, it's at the bottom of the Plan page, and was a bit hard to find)
- I'd love to be able to export my data even though I agreed to cloud storage. Maybe that conflicts with something about the way that stuff is stored in the cloud, but just being able to download any of the data, even if it isn't all of it, would be nice. Maybe there is a way to do this, but I haven't figured it out.
- Thank you for providing dark mode!
- I don't know what "Starting Cost Basis" is when adding a Roth IRA, and it would be nice to just have a tooltip explaining it; I have a Roth IRA and kinda know what a cost basis is, but honestly have no clue what "starting cost basis" really means or whether it applies to me. Maybe I should know, but this would also be good learning opportunity for users.
> I don't know what "Starting Cost Basis" is when adding a Roth IRA
Cost basis is irrelevant for Roth IRAs since you don't pay gains tax on them. I wonder why this is being asked?
Thanks for giving it a shot! If you go to the account menu (upper right) > Export, you can export your data as JSON.
The sim uses cost basis as how much of the existing $ in there represents your contributions (as opposed to gains), which is useful to know b/c your contributions to a Roth IRA can be withdrawn tax-free and penalty-free. You should see a corresponding category for that in Plan Settings > Drawdown as well.