Show HN: Will your money last? AI-assisted financial simulator (futurezapp.com)

Hey all - I've been working on a financial simulator for more years than I can remember. I never felt like I got it right so they always ended up as half-made apps and scripts on my desktop.

After years of iterations I feel like I made a breakthrough. Here's what led me to build Futurez:

Simple calculators let you quickly test ideas and help with questions like "am I on the right track?" It's pretty obvious how they fall flat from modeling actual reality though. (you can't have different accounts grow at different rates, model expenses with an end-date like a 30-yr mortgage, etc.)

Big fat spreadsheets were my next step. I could update balances over time and put income/expenses on a schedule. I found that the more complicated it got, the harder it was to verify accuracy. I also realized that if I didn't model the US tax system I would be missing critical opportunities that would ultimately make my estimates too rough to be a plan.

This year I got more serious about my family's own financial planning and also started to take on my aging parents' situation. I used those real-world scenarios to help me build a new simulator from scratch. It handles taxes, custom logic, easy ways to model accounts/income/expenses, charts, a spreadsheet view, and most awesomely, first-class AI support including an MCP server so you can run all sorts of experiments and get personalized analysis of any situation. It's privacy-minded (no connection to your accounts and anonymous to start) and I've intentionally made it lean slightly conservative.

I'm desperate for feedback so I can help more people and make this awesome.

Happy to answer anything, including the parts that aren't good yet. Very interested to hear how it does with your scenarios!