From e08f6231bd18d1db510ced03b91e64d4fdf8728b Mon Sep 17 00:00:00 2001 From: Felix Schulze Date: Mon, 24 Nov 2025 22:03:51 +0100 Subject: [PATCH] plan --- README.md | 55 ++++++++++++++++++++++++++++++++++++++++++++++--------- 1 file changed, 46 insertions(+), 9 deletions(-) diff --git a/README.md b/README.md index f44fe04..a310bf9 100644 --- a/README.md +++ b/README.md @@ -2,15 +2,54 @@ # InvestingFIRE 🔥 — The #1 Interactive FIRE Calculator -**InvestingFIRE** is a responsive web application for calculating your path to Financial Independence and Early Retirement (FIRE). It features a year-by-year projection engine that simulates both accumulation (savings and investment growth) and retirement (withdrawals) phases, allowing users to: +**InvestingFIRE** is a responsive web application for calculating your path to Financial Independence and Early Retirement (FIRE). It features a year-by-year projection engine that simulates both accumulation (savings and investment growth) and retirement (withdrawals) phases. -- Input starting capital, monthly savings, expected annual growth rate, inflation rate, current age, desired retirement age, life expectancy, and desired monthly retirement allowance. -- View a dynamic chart displaying projected portfolio balance and monthly allowance over time. -- Instantly see their estimated “FIRE number” (required capital at retirement), how long their capital will last, and compare results to the “4% rule.” -- Adjust assumptions live, with all calculations and visualizations updating automatically. -- Access explanatory content about FIRE methodology, key variables, and additional community resources, all on a single, consolidated page. +Deployed version: [https://investingfire.com](https://investingfire.com) -The project’s code is structured using React/Next.js with TypeScript, focusing on user experience, modern UI components, and clarity of financial assumptions. +--- + +## 🎯 Goal & Vision + +### **Goal** +To build the most comprehensive, user-friendly, and transparent open-source financial independence calculator on the web. + +### **Vision** +Democratize financial planning by providing professional-grade simulation tools in an accessible, privacy-focused, and beautiful interface. We believe everyone should have the ability to model their financial future without needing a finance degree or expensive software. + +### **Business Model** +InvestingFIRE operates on a transparent open-source model: +1. **Free Forever Core:** The essential calculation tools will always be free and open-source. +2. **Community Supported:** We rely on community contributions (code & feedback) to improve the tool. +3. **Educational Affiliates:** We may curate high-quality resources (books, courses, tools) to help users on their journey, keeping the tool free of intrusive ads. + +--- + +## 🗺️ Roadmap + +We are actively expanding the capabilities of InvestingFIRE. Below is our plan broken down into phases. + +### **Phase 1: Enhanced Simulation (The Engine)** +Focus on making the math more robust and flexible. +- [ ] **Coast FIRE Mode:** Option to stop contributions at a certain age but retire later. +- [ ] **Barista FIRE Mode:** Include part-time income during "retirement" years. +- [ ] **Monte Carlo Simulations:** Add probabilistic outcomes (e.g., "95% chance of success") instead of just deterministic linear growth. +- [ ] **Variable Withdrawal Strategies:** Implement dynamic withdrawal rules (e.g., Guyton-Klinger) beyond just fixed inflation-adjusted withdrawals. + +### **Phase 2: User Experience & Persistence** +Make the tool easier to use and return to. +- [ ] **URL State Sharing:** Encode form values into the URL so scenarios can be bookmarked and shared. +- [ ] **Local Persistence:** Automatically save user inputs to `localStorage` so they don't vanish on refresh. +- [ ] **Currency & Locale Support:** Allow users to select currency symbols and number formatting (USD, EUR, GBP, etc.). + +### **Phase 3: Advanced Features & Analytics** +For the power users who need more detail. +- [ ] **Tax Considerations:** Simple toggles for Pre-tax vs. Post-tax estimations. +- [ ] **Scenario Comparison:** Compare two different plans side-by-side (e.g., "Retire at 45 vs 55"). +- [ ] **Data Export:** Download projection data as CSV or PDF reports. + +### **Phase 4: Content & Community** +- [ ] **Blog/Guides:** Integrate a CMS (like Markdown/MDX) for in-depth financial guides. +- [ ] **Community Presets:** "One-click" setups for common strategies (e.g., "Lean FIRE", "Fat FIRE"). --- @@ -65,8 +104,6 @@ To run locally: ``` 4. Visit [http://localhost:3000](http://localhost:3000) and unleash the fire. -Deployed version: [https://investingfire.com](https://investingfire.com) - --- ## ✏️ Inputs & Variables