ifso: a financial scenario simulator for life's big decisions

See how life's big decisions play out, before you make them.

Buy the house? Retire at 55? Take a year off? All of those, together?

ifso plays it out year by year, in plain English, with real tax, mortgage, and market math underneath, so you're never deciding blind.

You could build it yourself: amortization schedules, tax brackets, inflation adjustments… people do. It takes a weekend, breaks quietly, and never quite answers “so am I okay?”

A mortgage calculator knows your payment. It doesn’t know your 401(k), your raise next year, or what buying the house does to retiring at 55. Every answer is an island.

Cumbersome, unintuitive, and hard to use. Forty inputs before your first answer, and comparing two choices often means rebuilding the whole plan.

There’s a gap between “vibes and a spreadsheet” and $2,000 for a financial advisor. ifso lives in that gap.

Not a drawer full of calculators. Everything you enter feeds one connected model, so a raise, a mortgage, and a retirement date all move together.

Does the money last? · Retirement age & budget · After-tax spending · What breaks, and when

Age, income, accounts, the house, the car loan. Guided setup, plain questions, a few minutes. No bank passwords; ifso never connects to your accounts.