Spreadsheets Shouldn't Be That Hard

You learn the theory. Pricing, reserving, forecasting. Then you try to actually build something. Excel snaps if you breathe on it. The enterprise tools cost more than your tuition. R crashes when you look at it wrong.

So I built Actuworry.

It’s not a replacement for Prophet or Axis or any of those million-dollar actuarial platforms. It’s something simpler: a Go-based simulation engine that models core actuarial functions in a way that’s transparent, extensible, and actually works without a support contract.

What It Does

• Basic reserving calculations that don’t hide the math behind a GUI
• Pricing models where you can actually see the assumptions
• Stochastic simulations (still building this out)
• Clean Go modules that map directly to actuarial workflows

Everything uses the Go standard library. No frameworks, no dependency hell, no “works on my machine.” You clone it, you build it, you run it.

Why Go?

Because actuarial work is math, and math should be fast. Go compiles to native code. It handles concurrency without making you cry. It produces a single binary with no runtime dependencies. You can send it to a colleague and it just works. Try doing that with a Python script.

Also, I wanted to learn Go deeply. Building real financial systems beats reading tutorials every time.

What’s Next

• Monte Carlo simulations for stochastic reserving
• Better documentation and examples
• Maybe a web UI with Vue for the visual learners
• Benchmarks against spreadsheet workflows (spoiler: Go wins)

Actuworry is on GitHub. Fork it, star it, or just read the code. It’s open for a reason. Actuarial knowledge shouldn’t be locked behind expensive licences and opaque black boxes.