Financial planning and tailored investment strategies are your right to a confident future. Our smart financial planner helps you map income, expenses, and goals while adapting to real-world markets. Prepare for opportunities or life’s surprises with clear, personalized insights to act confidently.
Algorithm-assisted financial projections
Advanced algorithms providing educational simulations and investing advice.
Free & Open Access
Full-featured financial planning with zero hidden costs - now it's free for personal and professional use.
Expense Management
Track monthly costs with customizable inflation rates.
Personalized Profile
Age, location, and life expectancy analysis tailored to your unique situation.
Investment Strategy
Model stocks, crypto, real estate, and other assets.
Get tailored insights based on your unique financial situation. Input your income, expenses, and goals to receive a customized plan.
Note: Our tools provide educational estimates, not financial advice. Actual market results may vary. View our calculation methodology
Explore different investment scenarios and see how your portfolio could grow over time.
Monitor your spending habits and savings progress with intuitive visual tools.
Plan for your golden years with confidence. See how your savings will grow and last through retirement.
Understand the difference between self-guided planning and professional advice. Our tool complements expert guidance by providing educational insights and scenario modeling.
Explore a dynamic projection that not only shows your savings growth over time but also illustrates asset distribution and potential future outcomes. With our interactive tool, you can visualize how your current financial decisions affect your long-term financial trajectory.
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Learn how to get the most out of our powerful financial planning tool with this step-by-step video tutorial. Whether you're just getting started or want to fine-tune your plan, this guide will walk you through every feature — from setting your income and expenses to customizing investment strategies. Perfect for anyone looking to build a smarter financial future!
Jumpstart your planning with our pre-built financial scenarios designed for different lifestyles and goals. These starter strategies help you visualize possibilities – think of them as templates you can adapt, tweak, and make entirely your own. Whether you're aiming for aggressive growth or steady stability, pick a profile that resonates, then customize every detail to craft your unique financial story.
A 25-year-old man in the U.S. from a rich family earns $10,000 monthly, aims to retire at 50, and invests heavily in crypto, stocks, real estate, and luxury assets.
A 35-year-old woman in Austria earns $3,500 monthly as an employee, plans to retire at 61, and invests in stocks, gold, and a car.
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What Our Users Say
"This financial planner helped me visualize my retirement goals like never before. The crypto vs stock comparisons were particularly enlightening!"
"Finally a tool that respects my privacy while providing serious financial insights. The projections were spot-on with my actual investments!"
"The crypto investment simulator helped me make better decisions without risking real money. I finally understand volatility in a practical way!"
"As someone new to financial planning, this tool made complex concepts accessible. The retirement timeline visualization is genius!"
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Find answers to the most commonly asked questions below. Search for topics you're interested in. If you still can't find the answer you're looking for, just contact us!
The program helps users understand potential financial outcomes based on their current income, expenses, investments, and other factors. It provides a structured way to make informed decisions about money and time management. For deeper insights, see this guide on setting financial goals by Investopedia.
We use Mistral 7B and Llama 3B models as our free AI for processing and analysis. However, we have plans to integrate additional models in the future to enhance performance and accuracy. Learn more about AI in finance from IBM’s overview of AI in financial services.
The estimates are based on historical data and user-provided inputs. While they offer valuable insights, they cannot guarantee realistic future results due to factors like market volatility and unforeseen events. For this context, read about financial forecasting accuracy from the Forecasting Financial Markets Conference.
The program uses standard financial formulas, such as compound interest for inflation adjustment, income growth projections, and investment growth models. See the article for detailed explanations of these formulas: Understanding different growth models. Also, for more explaination, refer to Investopedia’s guide on compound interest and investments.
No, the program is not a substitute for professional financial advice. It serves as a tool for better understanding financial planning but should be used in conjunction with expert consultation. Learn why professional advice matters from Smartasset’s explanation of the value of financial advisors.
Users need to input their current income, expenses, savings, expected future income, inflation rates, and investment preferences without any personal information (anonymous). These inputs form the basis for all calculations and projections. For best practices, also you can watch our tutorial video. Also, you can see The Balance’s guide to personal financial planning inputs.
The program uses user-provided inflation and income growth rates to adjust future values accordingly. Changes in these rates directly affect the projections, making it important to input realistic figures. Explore more: the Federal Reserve’s FAQ on inflation and economic growth.
The program is designed for general financial planning and is suitable for individuals looking to understand their financial trajectory. However, it may not address specific or complex financial situations. For tailored solutions, contact us. Also following content can be helpful in this context: NerdWallet’s guide to personalized financial planning.
Ad-Supported Basic Features
Our free tier is maintained through carefully selected financial education ads from Google's certified partner network.
Optional Premium Upgrades
Advanced features like cutting edge AI models are available through affordable subscriptions.