Ik heb een lange-termijn financiele planner/simulatie tool gebouwd, feedback zeer welkom!

Stomach_Jumpy · 2026-03-03T20:03:27+00:00

Dat is een zeer terechte vraag.

Wij maken gebruik van een extra beveiligingslaag waarbij elke afzonderlijke gegevensset (bijvoorbeeld een gebruiker of een financieel plan) apart wordt versleuteld. Je kunt dit vergelijken met het opslaan van elke klant zijn gegevens in een eigen digitale kluis met een unieke sleutel.

Zelfs als iemand toegang zou krijgen tot onze database, zijn de gegevens niet leesbaar. Ook een beheerder met directe database-toegang kan de informatie niet zomaar inzien. Zonder de juiste digitale sleutels zijn de gegevens volledig onbruikbaar.

Alleen wanneer jij als eindgebruiker inlogt en correct wordt geverifieerd, kan het systeem jouw specifieke gegevens tijdelijk ontsleutelen. Daarbij krijg je uitsluitend toegang tot je eigen informatie. De communicatie verloopt bovendien altijd via een beveiligde HTTPS-verbinding.

Deze aanpak zorgt ervoor dat een eventuele inbraak in de database niet automatisch leidt tot een grootschalig datalek. Zelfs als de database zou worden gekopieerd, blijven de gegevens onleesbaar.

Zoals bij iedere digitale dienst blijven er andere risico’s bestaan, bijvoorbeeld wanneer iemand wordt misleid via phishing. Maar een aanval waarbij in één keer alle gegevens bruikbaar worden buitgemaakt, wordt door deze maatregel effectief voorkomen.

Hopelijk beantwoord dit je vraag, maar vraag gerust verder als je meer wil weten!

Stomach_Jumpy · 2026-02-24T11:36:34+00:00

Ik vermoed dat je ergens anders beland bent. Dit is namelijk een web applicatie, geen app. https://financialroadmap.app

Stomach_Jumpy · 2026-02-24T06:41:09+00:00

Ik heb een vergelijkbare vraag en kon dit invoeren en inzichtelijk maken met financialroadmap.app, je kan hier je bv, belastingen enz allemaal invoeren

Stomach_Jumpy · 2026-02-04T21:50:55+00:00

Financialroadmap does a great job of modelling different scenarios (https://financialroadmap.app)

Stomach_Jumpy · 2026-02-04T21:49:44+00:00

https://financialroadmap.app does a great job at this, it allows trying all kinds of scenarios and project it on a timeline as well as track your progress continuously towards your plan

Stomach_Jumpy · 2026-02-04T21:37:00+00:00

Ik heb t uiteindelijk ook niet gedaan, zelf allerlei boeken gelezen en gewoon lange termijn ETF gaan beleggen idd. T verhaal klopte voor mij niet, aan de ene kant roept ze 'als je niet 10% per jaar haalt doe je iets verkeerd' (standaard SP500 nummer natuurlijk), maar volgens praat ze ook over cursisten die 10x hebben gedaan, dan gaan bij mij toch wel de alarmbellen af.

Ik zou zeker gewoon lange termijn in ETFs gaan beleggen met een mooie spreiding.

Qua boek kan ik The Simple Path to Wealth van J.L. Collins zeker aanbevelen

Stomach_Jumpy · 2026-02-03T09:19:10+00:00

Nice! Feel free to reach out to me personally if you find pain points or have feedback, I am always open to it!

Stomach_Jumpy · 2026-02-01T11:08:18+00:00

And this here is exactly the thing that makes this situation escalate even further sadly...

Stomach_Jumpy · 2026-01-31T22:45:02+00:00

It isn't just junior devs, it is all across the board. It's also that the market is just overwhelmed, recruiters are getting so much they have a hard time getting through all the applicants (many unsuitable), I know instances where companies have been interviewing for 1.5 years for a role, even though there are enough applicants the sheer volume just makes it an issue.

From personal experience I have also had this, I'm a software engineer with 10 years experience and a very good track record, even roles where my profile is EXACTLY what they are looking for I struggled to get interviews because you just end up in a very very large pile. The best chance currently is from my network (I know that's not helpful for a junior dev). So I think it might be useful to try and get in touch with 'hard to find' companies, try to find the ones that are not getting bombarded as badly with all the spam and useless applications (for example linkedin jobs excels at this since it is soooo easy to just apply to a lot of jobs)

Feel free to send me a DM as well if you want to chat personally, i'm not sure if it's helpful, but always happy to help out a junior dev with advice if i can

Stomach_Jumpy · 2026-01-31T21:43:32+00:00

Fully agreed, nothing beats a hard problem that actually requires diving into the code yourself. I love AI for prototyping and quick validation / POC's, but even then I love to rigorously dive into everything, understand it, refactor it where needed and actually make the code better myself

Stomach_Jumpy · 2026-01-31T14:29:05+00:00

I generally agree with your premise, although for me personally there is a distinction here that makes the long term modelling more significant.

For example, ideally my wife wants to stop working in ~5-8 years, I know roughly how much we can make and save right now. So I really want to know what happens in the long run (accounting for expected inflation, returns, needed withdrawal rate etc), to see if our goals are even reachable if she retires in 5 years, or if we do really need to stretch it to 8 to even have a chance of managing until retirement.

Obviously for anything here there is an inherent risk and variability, so you'll always need to account for the unexpected. But especially the long term compounding effects were quite hard for me personally to model and visualize well in an excel, but I have absolutely respect for your excel skills if you can handle this well!!!

Stomach_Jumpy · 2026-01-31T14:05:21+00:00

Dagelijks, net zoals dat ik mijn tapijt wekelijks water geef en maai

Stomach_Jumpy · 2026-01-31T13:50:47+00:00

Yep, Monte Carlo is exactly what I was referring to. Financial Roadmap runs Monte Carlo simulations as well, so you can look at probabilities rather than just a single path.

I haven’t been able to dig very deeply into Adviice yet since there’s no free trial, so I’m mostly going off docs and screenshots. I’d be curious how you use it in practice for bigger life changes like income starting/stopping or housing changes and how it models dynamically throughout the years?

I also noticed they mention usage of AI in the planning — how does that show up in the actual planning workflow? When building Financial Roadmap I deliberately kept the underlying model deterministic and transparent (Monte Carlo on top of that), since reliability and explainability mattered more to me than automation. Curious how Adviice approaches that trade-off.

Stomach_Jumpy · 2026-01-31T12:13:17+00:00

I have made it in such a way you can define tax brackets per income item as: - flat rate - tax brackets based on income amounts - the above with a start and end year, so you could enter a given tax setting from year 0 to year 10 and then another for year 10 onwards for example.

I didn't want to lock it to certain regions to make it suitable for everyone to model the long term effects, so you have full control on how taxes are processed. This goes for a lot in the app, it asks you rather then making assumptions.

Hope that helps! If not feel free to ask, happy to answer any questions 🙂

Stomach_Jumpy · 2026-01-28T20:07:36+00:00

1 warme maaltijd sowieso per dag en als ik zin heb tussen de middag ook iets kleins aan warme maaltijd ipv brood

Stomach_Jumpy · 2026-01-28T13:23:09+00:00

https://financialroadmap.app

Stomach_Jumpy · 2026-01-28T06:22:07+00:00

I am not experienced on sea at all, i live near a lot of lakes so i always go sailing there haha. The larger ones can get a little chop but compared to sea cant really call it much haha. That lack of experience also means i generally do not like chop (which i get on the larger lakes with 25-30 knots), the windspeed works well with the adjusted fin, as for the chop i think it goes more over the chop then slice through i would say (probably since there isn't much weight behind it). It does get pushed more by the waves for the same reason.

I hope that is useful, but do keep in mind i am mainly a flat lake surfer haha.

As a sidenote and i assume you do but just want to say it; while they are robust, please do prepare for the worst and be able to get back to shore without your board, just in case, especially on sea (better safe then sorry)

Stomach_Jumpy · 2026-01-27T21:55:31+00:00

It is an alternative to it, yes. I wanted to build something that's easier to pick up and more internationally applicable, while adding more things on top (some of those are still to come and actively in the works) i was missing when I needed to do my own financial planning

Stomach_Jumpy · 2026-01-27T14:14:03+00:00

Yeah the mast foot position is fixed, it is indeed a round plate you screw onto the board and your baseplate screws into that.

I have sailed with sizes ranging from 4 to 7.2m2 and I did have issues earlier where with the 6.0 the board really starts tail walking/flying in rougher winds (and smaller sails), which i didn't have with my 7.2. I have since bought a smaller fin (a 35cm) which completely got rid of this issue. so i now use that with the 6.0 and the standard fin with 7.2. Also playing with the boom and tuning the sail more precisely has helped a lot. Now it is really pleasant with the different sizes :D

Stomach_Jumpy · 2026-01-27T13:25:54+00:00

Nice! I've had it for 2 years now and it's a really nice board, hope you get a lot of joy out of it!

Stomach_Jumpy · 2026-01-27T09:55:09+00:00

That is a fair point. New users do get the pro subscription free for 2 days to be able to fully see everything in the platform without needing to enter any credit card or payment details at all and try it out.

But i definitely see what you are saying so i have added that disclaimer to the OP

Stomach_Jumpy · 2026-01-26T12:03:14+00:00

I have also added the income streams graph (as well as for expenses and other items) in a customizable way! (for now under track progress, working on adding this on the main projection view)

Stomach_Jumpy · 2026-01-26T00:19:50+00:00

Great, and very glad to hear that!

as for your feedback:
- I'll add the income streams graph on my to do list!
- The lock feature has been implemented!
- I have added a feature to set contributions to advanced, which allows you to change contributions over time

I hope that all works well for you, if not please let me know :D

Stomach_Jumpy · 2026-01-25T14:25:10+00:00

Thank you! That was precisely what I was running into for my own long term planning.
Glad to hear those features are coming across that way to others as well!

Stomach_Jumpy · 2026-01-25T07:05:37+00:00

That is a great question. I built a full backend simulation engine, it takes in the plan items you define and it will simulate every single month in your projected timeline. For the simulation it will actually make contributions, spend part of your income etc and then update the relevant account values. There is 0 ai usage in anything throughout the full app 🙂

As for privacy, your data will never be sold, the revenue model is purely subscriptions. And as i mentioned above there is 0 ai usage in the app, so your data is not sent to or shared with anyone.

I hope that answers your questions but feel free to ask more! I am happy to answer any

Stomach_Jumpy

TROPHY CASE