@chernevik -- thanks for the comments. W.r.t. the 6% "cost of sale" that is actually baked into the numbers. Granted it is fixed at 6% and cannot be changed (something we will allow shortly).

Please also understand that we've only just taken the first steps on this product. There are several more questions to be answered, and more interactive pages explaining the jargon, allowing users to visualize the variables that go into various (complex) decisions.

We also know that what we've embarked on is not something simple: answering complex financial questions, and personalizing them to an individual's needs is no trivial task.

However, we think we can build this out. What we released today is just the tip of the iceberg... plenty more to come shortly.

Hope this helps. And as always, if you have any comments or suggestions feel free to get in touch with us (info@smartasset.com) any time.

Thanks!