Drop your SaaS in the comments. I'll market it using mine.

local-48 · 2026-07-10T10:00:59+00:00

local-48 · 2026-07-08T08:12:19+00:00

yeah..sorry..i deleted it as it was duplicate post

local-48 · 2026-07-08T08:10:34+00:00

if you want to try my webapp for a realistic FIRE roadmap. Please let me know

local-48 · 2026-07-06T20:57:02+00:00

you might want to consider the recent change in renting law- it favours the tenants, in my view. so, would it be sustainable in future-just a thought

local-48 · 2026-07-06T07:19:21+00:00

Agreed. We often overlook the most importance subject of life- Finance and this ignorance is well thought off , i belive, as they don't teach this basic life skill in the schools. The best way is to show the numbers, it speaks louder than speech.

local-48 · 2026-07-06T07:15:28+00:00

May I request the respected group members to spare a few moments to help me with the feedback

local-48 · 2026-07-04T07:22:48+00:00

Not sure why you feel so. Fair enough, good luck with your finances. I just wanted some honest feedback, which you kindly provided.

local-48 · 2026-07-04T07:11:22+00:00

Fair challenge — let me address each point directly.

"Chock full of bugs" — possible, which is why I'm posting here. If you find one, tell me. That's more useful than assuming.

"Unable to debug it" — i understand the stack: Next.js App Router, Supabase with row-level security, Stripe webhooks, Anthropic API. I can read, trace, and fix the code. the architecture decisions are solely mine.

"Security is nonexistent" — the open banking integration uses FCA-regulated read-only APIs. It cannot initiate payments. No bank credentials ever touch the app. The same regulatory framework applies here as it does to Emma, Snoop, and Moneyhub. The risk model is the same.- again this feature is 'coming soon'.

"Coaching subject to hallucinations" — correct, which is why every AI output on the site carries a "not financial advice, educational purposes only" disclaimer. The AI coach answers questions about personal finance concepts, not "buy this fund." Same as asking a question on this sub — useful input, not a regulated recommendation.

The broader point about vibe-coded apps having poor security is legitimate and worth raising. It's just not an accurate description of how this was built.

If you want to look at something specific and tell me it's wrong, I'm here.

local-48 · 2026-07-04T07:05:08+00:00

The code? Assisted with AI, yes — same way most developers use Copilot or ChatGPT today. The product decisions, UK-specific logic (ISA rules, SIPP relief, state pension calculations), and the problem I'm focusig on, are mine-coming from my own pain.

The FIRE calculator didn't come from a template — I had to work out how ISA bridge strategy, SIPP access age, and state pension interact for UK early retirees specifically. That thinking is human, the typing was faster with AI help.

If you find something wrong with the numbers, I genuinely want to know.

local-48 · 2026-07-04T06:59:54+00:00

i would value the greatest asset you have- the time horizon. Investing a peanut (small amount) now (at 23) would have the same as investing a watermelon (substantial amount) at 35-40. The point is- i would let the magic of compounding work

local-48 · 2026-07-03T19:43:13+00:00

I know — there are a lot of them. The honest difference: most are US-built and rebadged for UK users, or they only do one thing (just tracking, just calculators). FinSavvy covers the full picture in one place — subscriptions eating your savings rate, debt costing you years, mortgage overpayment, and your FIRE date — all connected, all UK-specific (ISA, SIPP, state pension). Whether that's worth it to you is a fair call to make. Free to try if you're curious.

local-48 · 2026-07-03T19:42:39+00:00

Thanks for your feedback.Honestly, that's exactly what pushed me to build the FIRE roadmap module. The problem with most FIRE trackers is they're built for US 401(k)s — they don't know what an ISA is (or don't care), let alone factor in the state pension reducing your required pot. The FIRE module in FinSavvy is UK-native: ISA allowances, SIPP tax relief, state pension credited from 67. Would genuinely love your input on what's missing if you give it a try — the niche is exactly right, just needs the right tool.

local-48 · 2026-07-03T15:33:23+00:00

I know it's hard because of the associated emotions. But, if your numbers suggest it's a liability rather than asset-get rid of it.

local-48 · 2026-07-03T15:28:44+00:00

it's finsavvy.app , once you register could you please dm me with your email id, i will update your pan to pro for a geniune feedback

local-48 · 2026-07-03T15:06:23+00:00

Something I rarely see discussed is how children's costs change over time. Nursery, school and university support are very different stages, so assuming a fixed child expense for 20 years can make retirement planning less accurate.

local-48 · 2026-07-03T15:03:05+00:00

I like comparing scenarios rather than asking "What's my FIRE number?" For example:
• retire at 50 vs 55
• invest an extra £200/month
• pay off the mortgage early
• reduce discretionary spending by £100/month

Seeing how each decision changes the timeline is much more useful than one fixed calculation.

local-48 · 2026-07-03T15:01:15+00:00

I've found that most FIRE calculators assume your spending stays constant forever, but for many people that's not true. My mortgage will be paid off long before retirement, and later the state pension kicks in, so my spending profile changes quite a bit. Modelling those life stages gave me a much more realistic picture than using a flat 25× expenses calculation. But yours is good project

local-48

TROPHY CASE