ifso
ifso — a financial scenario simulator for life's big decisions: real tax math, year-by-year projections, plain-English verdicts.
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What is ifso?
ifso is a financial scenario simulator for life's big decisions: buying a home, retiring early, taking a year off. Enter your real numbers and ifso plays each choice out year by year with real tax, mortgage, and market math, then gives a plain-English verdict on whether your money lasts. Compare multiple scenarios side-by-side. Free to start, no bank linking.
ifso pricing
Pricing model: Freemium
Free to start (no credit card); Pro tier available with advanced market modeling and scenario comparison (specific pricing not listed)
ifso pros
- Free to start with no credit card or bank linking required—users manually input data for privacy
- Connected financial model where changes ripple across all years, not isolated calculators
- Built-in real tax math including federal brackets, capital gains, FICA, state tax, and married filing status
- Clear verdicts stating if money lasts, to what age, and actual annual spending; scenario comparison shows dollar difference
ifso cons
- No bank account integration; requires manual data entry of all financial information
- Advanced features like market risk modeling and 1,000 historical scenarios available only in Pro tier
- Designed for personal planning only, not professional financial advisor workflows
Frequently asked questions about ifso
Do I need to connect my bank accounts?
No. ifso never connects to your accounts; you type in the numbers directly.
How is ifso different from Excel or a mortgage calculator?
ifso models everything together in one connected engine—a raise, mortgage, and retirement date all move together automatically. One-off calculators treat each decision as an island.
What happens if I change one number?
The entire plan recalculates instantly: taxes, amortization, growth, withdrawals, and the verdict for every year after.
Can I compare two different financial plans?
Yes. You can duplicate a plan, change one or more variables, and see both futures on the same chart with the difference in dollars highlighted.