ifso is a financial scenario simulator for people weighing decisions such as buying a home, changing work, or retiring. It connects income, assets, taxes, debt, spending, and life events into one plain-English view of what could happen year by year.

What's included in this release:

• Guided setup lets people enter income, accounts, property, vehicles, and loans without connecting a bank.
• Connected life events show how a home purchase, raise, retirement date, or major expense changes the wider plan.
• Real tax calculations cover federal brackets, FICA, capital gains, state tax, filing status, and relevant IRS limits.
• A clear verdict explains whether money lasts, the retirement age and spending it supports, and when a shortfall occurs.
• Pro planning adds unlimited plans, side-by-side scenario comparison, and Monte Carlo odds across 1,000 market histories.

Together, these capabilities turn a complicated money question into a model people can adjust, understand, and compare, with the assumptions and trade-offs visible behind each result.