15:I[981,["658","static/chunks/658-a698693f56d0116a.js","183","static/chunks/183-6beeeb801c274aaa.js","474","static/chunks/app/%5Btype%5D/layout-631c4730b83c8223.js"],"Posts"] 16:T54c,Hi HN,

I built Freedom Graph because I wanted an FI calculator that modeled market variability and flexible spending more realistically. Lots of calculators assume constant returns, fixed withdrawal rules, and the "real = nominal – inflation" approximation. That’s fine for ballpark numbers, but not great when you care about sequence risk or decisions like, "should I spend another year working?"

These are the real-world factors I wanted to model explicitly:

* Sequence of Returns Risk: Optional market randomness (mix of positive/negative years, long-run ~10% CAGR) to show how early retirement plans can fail even when the long-term average looks fine

* Correct real-return math: Uses the Fisher equation instead of the linear approximation, which compounds differently over long time horizons

* Adaptive strategies: Model “one more year” scenarios and spending flexibility to see how behavior affects success probabilities

Other QoL things:

* Built with React + Vite; no input data is sent anywhere

* Local storage persists inputs between browser sessions

* FI income automatically adjusts when you hit your target

* Dark/light mode

I’d really appreciate feedback on both the UX and assumption/behavior levers. If you think something’s wrong or misleading, please tell me.

Thanks!17:T44f,As various LLMs become more and more popular, so does comments with "I asked Gemini, and Gemini said ....".

While the guidelines were written (and iterated on) during a different time, it seems like it might be time to have a discussion about if those sort of comments should be welcomed on HN or not.

Some examples:

- https://news.ycombinator.com/item?id=46164360

- https://news.ycombinator.com/item?id=46200460

- https://news.ycombinator.

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