Viso

The home affordability calculator beyond your mortgage.

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July 22, 2026 Squeezing a 30-year financial model onto a phone screen

Two weeks ago I posted Viso here for the first time. Since then the most common piece of feedback has been that the mobile experience is difficult to use. The original mobile experience was basically the desktop layout with panels stacked and squished, which is a bad answer for a tool whose whole value is a dense 30-year projection table.

Spent the last stretch rebuilding the mobile experience from scratch instead of just trying to re-use components of the desktop view. Wanted to share what changed and why, since I went back and forth on a few of these decisions.

The core problem

Desktop Viso is a 3-panel layout: assumptions rail, a dense financial ledger table, and a chat panel — all visible at once. That's the right layout when you have 1440px of width. On a 375px phone, the components are not optimized for the smaller screen and often feel crammed.

What changed

1. A real Home tab, not a squished ledger. Instead of landing on the dense table, mobile now opens on a verdict card ("Cleared to close" / "Numbers don't add up") plus a Conservative→Aggressive risk spectrum, with the full ledger, purchase planner, and charts as expandable entry points below it. The idea: on a phone, lead with the answer, let people drill into the math if they want it.

2. The ledger became expandable cards, not a squeezed table. A 30-year table with 20+ rows just doesn't work at 375px wide no matter how small the font gets. Instead, mobile groups everything into four tappable cards (Income, Cash Flow, Property, Assets) that expand to show detail, plus a timeframe toggle (After Purchase / Yr 1 / Yr 5 / Yr 10 / Yr 30) so you're not scrolling through 9 columns.

3. The "Adjust" panel became an accordion instead of a push-navigation flow. First version of this had tapping into an assumption group (like "Your Home") push you to a whole new screen. Worked, but felt disconnected from the verdict/spectrum context you'd just been looking at. Switched it so assumptions unfold in place — tap a group, it expands right there, still see everything else around it.

4. Charts got consolidated into one tile with a toggle instead of three separate static cards, and moved below the purchase planner (closing-day math felt like the more urgent thing to see first, trend charts second).

Would love feedback on:

  • Does the Home-tab-first structure make sense?

  • Is the accordion Adjust panel intuitive, or does it feel cluttered when a section has a lot of fields?

  • Anything that still feels obviously "this was designed for desktop first"?

viso.money if you want to poke at it on your phone (or desktop, I'll take any feedback!). Appreciate any eyes on it.

Comment

July 10, 2026 Launched Viso — a financial model for figuring out if a home purchase actually makes sense (not just a mortgage calculator)

Just launched Viso (viso.money) and wanted to introduce it here and get some early feedback from this community.

The problem I kept running into: every home affordability tool answers "will a bank approve this mortgage?" rather than how the purchase will actually impact your financial well-being. Those are very different questions, especially for dual-income households with RSUs, kids, career pauses, or anything else that makes a simple debt-to-income ratio meaningless.

What Viso does: you enter your real financial picture — income, savings, the home you're considering — and it runs a full month-by-month projection 30 years out: cash flow, net worth, closing-day liquidity, the works. You can also just talk to it in plain English ("what if I did a 15-year loan instead" or "what if my income drops for two years") and it re-runs the model live.

Stack, if useful to anyone here: React/Vite frontend, Node/Express backend, Supabase for auth+data, Stripe for billing, Anthropic's API for the conversational layer. The financial model itself is a pure function shared between frontend and backend so the math is guaranteed identical in both places.

Where it's at: just went live, free to try with no signup required to see a full projection. Pro tier unlocks scenario comparison, unlimited saved scenarios, and unlimited chat messages.

I'd love feedback specifically on:

  • Does the core idea land in the first 30 seconds, or does it need better framing?

  • Where does the flow from "enter your numbers" to "here's your projection" feel confusing or slow?

  • Would you trust a number this personal enough to actually change a real decision, or does it feel like a toy?

Link: viso.money

5 Comments

  1. 2

    I think the strongest distinction isn't that Viso models a mortgage more accurately.

    It's that it reframes the question entirely. Most tools ask, "Can you buy this house?" Yours asks, "What future are you buying if you do?" That's a much more consequential decision, and it feels like the positioning could lean even further into that difference.

    1. 1

      This is a great way to put it, "can you buy this house" vs. "what future are you buying" is exactly the reframe I was going for but hadn't landed on the words for.

      Going to steal this! Appreciate you taking the time to articulate it, this is super helpful!

      1. 1

        Glad it resonated.

        The fact that you're leaning into that reframe left me with one question about where it ultimately takes Viso. I'd rather explain why I'm asking in the context of your product than give you a generic opinion.

        What's the best email to reach you on?

        1. 1

          Reach me at Lucas.nash10@gmail

          1. 1

            Thanks! I’ve just sent it over.

            Looking forward to hearing your thoughts whenever you have a chance.

About

Built to solve my own San Francisco homebuying anxiety. Standard calculators only model bank approvals and I wanted to see the full financial consequences of different trade-offs in our home buying process.