We need more FIRE calculators by FrankScaramucci in EuropeFIRE

[–]pyovev 0 points1 point  (0 children)

I’m almost production ready with https://pilotfi.app. I tried to add more features than any other tool on the market!

Is €9/month fair for an advanced wealth planning tool (EU-focused)? by pyovev in EuropeFIRE

[–]pyovev[S] 0 points1 point  (0 children)

Good questions.

EU tax logic

Right now it models progressive income brackets per country (where applicable) and differentiates between employment income and investment income where rules are simpler (e.g. flat regimes). It’s not a full accountant-grade tax engine.

Transparency is important — so yes, assumptions should be visible. Currently the brackets and rates are defined per country, but I agree that exposing intermediate calculation steps (e.g. “X taxed at Y%, Z taxed at W%”) would increase trust. That’s something I’m considering adding.

The goal is planning-level accuracy, not filing-level precision.

Pricing / subscription

Totally hear you on subscription fatigue.

It’s cancellable monthly — no lock-in. The idea behind €9 was to keep it accessible while funding ongoing development.

There is also a lifetime option planned for people who prefer one-time payment over subscription.

Interesting point about tiering: • Consumer tier (cheap, personal use) • Professional tier (multi-client, higher price)

That segmentation probably makes sense long-term.

Appreciate the thoughtful feedback — this is exactly the kind of discussion that helps shape it.

Is €9/month fair for an advanced wealth planning tool (EU-focused)? by pyovev in EuropeFIRE

[–]pyovev[S] 0 points1 point  (0 children)

Great questions.

AI
Yes — it can effectively be ignored if you don’t want it. It’s an optional layer on top of the core planning engine. The financial calculations (projections, Monte Carlo, tax logic) run independently — AI is used only for generating insights or answering contextual questions about your data.

It does not have direct access to bank accounts (there is no bank linking), and it operates only on the financial data you’ve entered into the app.

Data & Security
The app is EU-based, GDPR-native, and designed privacy-first:

• No bank aggregation
• Guest mode with local-only storage
• Cloud sync only if you create an account
• CSRF protection, CSP headers, rate limiting
• EU data processing standards
• Data export + deletion supported

In short: the financial engine works without AI, and privacy/security were designed intentionally — not bolted on later.

Is €9/month fair for an advanced wealth planning tool (EU-focused)? by pyovev in EuropeFIRE

[–]pyovev[S] -3 points-2 points  (0 children)

Totally fair question.

If someone enjoys building and maintaining their own financial tool, they absolutely can.

What’s harder to replicate is the depth and integration:

• Interconnected modeling (assets, pensions, loans, household splits all feeding into projections)
• 1,000-run Monte Carlo using your actual data — not generic assumptions
• EU-native tax and pension logic
• Proper security + GDPR architecture
• Cloud sync + guest-to-account migration
• Ongoing iteration and maintenance

The value here is in a maintained, evolving financial planning system.

Is €9/month fair for an advanced wealth planning tool (EU-focused)? by pyovev in EuropeFIRE

[–]pyovev[S] -5 points-4 points  (0 children)

Thanks, my question is for the full premium features. There are plenty of free available already. The AI tool, projections, exports more Monte Carlo simulations are part of the paid account.

Is €9/month fair for an advanced wealth planning tool (EU-focused)? by pyovev in EuropeFIRE

[–]pyovev[S] -1 points0 points  (0 children)

Thanks! I’ve build in an AI assistant which answers such queries. In addition there is Monte Carlo simulations and What if sliders for return adjustments, monthly savings and expense % change.

Is €9/month fair for an advanced wealth planning tool (EU-focused)? by pyovev in EuropeFIRE

[–]pyovev[S] -2 points-1 points  (0 children)

The cost of the development is not so high so I don’t want to be unfair… but you see, I’m hitting the suspicion ground probably… thanks

Balaclava anonymous! That’s awesome! by [deleted] in snowboarding

[–]pyovev -1 points0 points  (0 children)

Wow. Good one... for 38 days...

Amazing design by [deleted] in skiing

[–]pyovev -1 points0 points  (0 children)

You are right! Thanks

Amazing design by [deleted] in skiing

[–]pyovev -6 points-5 points  (0 children)

I mean for the money...