This is really good & helpful! Wish I had this thing years ago when I was doing pro-bono financial planning for family members. Would have been much easier than building spreadsheets for them...
Couple of points of feedback:
1. The UI flow for adding financial goals (like putting excess earnings into taxable investments, rain day funds, etc.) didn't make it immediately clear what that section was for. Some clearer explanations in that section might improve your funnel.
2. The way that debt is displayed by default on the stacked chart sort of makes it look like an asset, which is confusing. My reaction was just not to trust the chart for the whole duration of having a mortgage. Changing the house asset value in the stacked chart to home equity instead could maybe be a fix?
3. I really liked the little red exclamation indicator when a plan involved you running out of money b/c you retired too early. It felt very well calibrated to clearly indicate the inadvisability of that particular plan w/o being overwrought.
You might want to add less alarming yellow indicators to pick up not great, but not terrible situations like you retired too early & all your assets are tied up in retirement accounts and illiquid assists (e.g., home equity), so now you are eating early withdrawal penalties unnecessarily.
For #1, I agree that section can be a bit difficult for new users to grasp. It's laid out the way it is so that later you can simply click and drag to re-prioritize goals and see the effects, but I'll think about how to communicate the purpose of that section better from the beginning.
For #2, yeah the concept of showing debt on top of everything else may be a bit... unconventional haha. That's where switching the plot to the net worth one can help somewhat if you want the chart to clearly show total net worth. In the stacked view, changing house value to equity is an interesting thought, though I think that still leaves it an open question how the chart should account for the other kinds of debt one might have.
For #3, yes definitely. Identifying warning scenarios and clearly marking those is a good feature idea.
Couple of points of feedback:
1. The UI flow for adding financial goals (like putting excess earnings into taxable investments, rain day funds, etc.) didn't make it immediately clear what that section was for. Some clearer explanations in that section might improve your funnel.
2. The way that debt is displayed by default on the stacked chart sort of makes it look like an asset, which is confusing. My reaction was just not to trust the chart for the whole duration of having a mortgage. Changing the house asset value in the stacked chart to home equity instead could maybe be a fix?
3. I really liked the little red exclamation indicator when a plan involved you running out of money b/c you retired too early. It felt very well calibrated to clearly indicate the inadvisability of that particular plan w/o being overwrought.
You might want to add less alarming yellow indicators to pick up not great, but not terrible situations like you retired too early & all your assets are tied up in retirement accounts and illiquid assists (e.g., home equity), so now you are eating early withdrawal penalties unnecessarily.
Great work!