> I would love to see this have the ability to draw simple graphs to show how your situation will look

That's a great idea. One tool I had been previously using (server based, then started to require payment so I stopped using it) had a graph. I found that while it was cool initially in the end I just looked at "do I have enough money to make it to date X", so I figured I'd skip implementing a graph. But maybe I should consider it, it certainly helps to visualise the situation.

> or allow for things like interest rates on deposits, or the ability to see how your income might look like in X years with an Y% average increase, etc.

Thanks for the suggestion, I thought of that too, wouldn't be hard to do...

Thanks for the ideas, and also thanks for the explanation (it's tempting to think nobody would need feature X, but when you put it like that I can totally see it makes sense!)

There is "yearly" already but I think your name of "annually" would be much better, so I'll add that naming, thanks!