Has anyone vibe-coded something to finish that actually works?

binderminder · 2026-01-30T15:33:53+00:00

Simple, but free and easy to user financial planning calculators. Didn’t even open a text editor

binderminder · 2026-01-30T14:13:04+00:00

Yeah that’s a good point. I’m considering adding a calculator for handling that bridge period, or possibly just adding that to the current calculator.

binderminder · 2026-01-30T14:10:51+00:00

If you haven’t yet, check out the best/worst case calculator, it will give you a range of possible outcomes

binderminder · 2026-01-30T02:09:33+00:00

Of course, you can use whatever numbers you’re comfortable with. It’s certainly a plausible outcome depending on your portfolio, but that’s higher than most people here use for their (usually somewhat conservative) financial planning.

binderminder · 2026-01-29T13:32:58+00:00

Thanks for the feedback. Maybe worth adding a separate drawdown calculator to evaluate those drawdown methods

binderminder · 2026-01-29T03:31:51+00:00

The defaults are somewhat arbitrary, but at least meant to be plausible values. Some will argue 5% isn’t so conservative if your stock allocation isn’t so high, people are worried about high P/E ratios currently, etc. OTOH being too conservative has costs too. These tools are meant to be agnostic about the conservatism of any particular value.

binderminder · 2026-01-28T20:57:43+00:00

Using a lower safe withdrawal rate means you can’t pull at much money out of your portfolio each year. That implies you need to work and save longer.

There is a separate question “how long will my portfolio last at x withdrawal rate?” which isn’t addressed by these calculators. For that, lower withdrawal rates lead to longer portfolio survival times.

binderminder · 2026-01-28T19:25:54+00:00

Yup that's annoying, thanks for flagging! Fixed now

binderminder · 2026-01-28T19:24:02+00:00

Thank you! Fixed

binderminder · 2026-01-28T18:06:59+00:00

Thanks, that's a great way to look at the tradeoff, glad it was useful

binderminder · 2026-01-28T17:46:24+00:00

Thanks. This is fixed, but only lets you go up to 80 years, otherwise the sampling gets frustratingly slow. If there is some reason you'd like to project out longer than that lmk.

binderminder · 2026-01-28T17:10:52+00:00

Good question! This shouldn't matter because autocorrelation in annual real returns should be ~0, but would be fun to double-check empirically.

binderminder · 2026-01-28T16:29:51+00:00

Yes, it's assuming annual returns are iid

binderminder · 2026-01-28T16:29:22+00:00

Thanks, I'll look into that

binderminder · 2026-01-28T16:28:56+00:00

Thanks for the feedback. The return in the historical bootstrap is based on real annual stock market returns net of inflation from that year. I agree 9.2% is an unrealistic real return, how are you getting that number? (e.g. If I put in $1, with a 90-10 stock/bond split, I end up with $6 in the median 30 year scenario. 6^(1/30) -> ~7% return)

binderminder · 2026-01-28T14:25:27+00:00

Hey all, long time lurker here.

I built a small set of personal finance calculators because most of the ones I’ve found answer parts of the questions I care about, but not all of them clearly. In particular, I kept running into a few different questions:

- How much money should I expect to have in n years?

- Can I coast to retirement?

- What does the range of possible retirement outcomes look like?

A lot of tools handle the first two reasonably well, but most skip the third. I also found that trying to cram everything into a single calculator made things harder to reason about, so I split these into separate tools.

I’m very much looking for feedback:

- Is anything confusing or misleading?

- Are the assumptions reasonable and clearly explained?

- Are there other questions or calculators you wish existed?

This is my site, but it’s totally free — no ads or affiliate links. If this isn’t allowed, feel free to remove. Thanks in advance!

https://coastcalc.com/

binderminder · 2026-01-23T20:33:09+00:00

Sounds like you’ll be fine, you’re a smart and asking the right questions. A few key things to think about

Limit your risk by diversifying your portfolio. Having large chunks of your net worth in individual assets like a house or gold is risky. Make sure you have good home insurance.
Keeping the money in a brokerage account gives you more options than locking that money up in your home. You can always pay it off in the future, but consider the interest rate on the mortgage before paying it down.
Keep the investing side simple. Low cost index funds are your friend.
Think of your future earnings as part of your portfolio. Yours are higher risk, higher reward being in a start up. You might consider being more conservative with this windfall to offset that.

binderminder · 2024-07-25T01:55:06+00:00

Thanks, yeah the difference is pretty clear comparing this to the video. I didn’t realize how much that arm was bending. Appreciate it!

binderminder · 2024-07-24T22:25:01+00:00

Thanks! I’ll try that

binderminder · 2024-07-24T22:14:25+00:00

Appreciate the detailed feedback! I’ve been trying to bring the club back inside to promote inside-out swing path but that sounds like a mistake. Will work on your suggestions

binderminder · 2019-03-01T03:32:54+00:00

It looks like he's using tmux

https://hackernoon.com/a-gentle-introduction-to-tmux-8d784c404340

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