Finance Planner: The F.I.R.E Tool

Your Essential Companion for Financial Independence

Designed for the F.I.R.E. (Financial Independence, Retire Early) movement, Finance Planner helps you visualize, track, and achieve your financial goals. Build financial health, plan ahead with different scenarios, and see the long-term impact of your decisions—whether you're just starting out or planning for early retirement.

Explore Features

💡 Our Mission: Financial Planning for Everyone

Free Financial Planning for All: We believe everyone deserves access to quality financial planning tools—without paying expensive advisor fees. Finance Planner puts professional-grade planning in your hands, completely free.

Financial Health Worldwide: Available across the globe, our tool helps people everywhere build a healthier financial future, regardless of location or background.

Your Data Stays Private: All your personal financial data and calculations remain 100% on your device. Nothing is stored on external servers. Your information is completely safe and never shared.

About Ads: The app uses ads (AdMob) to remain free for everyone. Our privacy notice covers only the anonymous usage data collected by the ad provider—your financial data is never included.

📱 Get Finance Planner on Your Mobile Device

Take your financial planning on the go with our mobile apps, available now for iOS and Android!

📂 Example Files & Scenarios

Explore different financial planning scenarios with real-world examples. Each scenario demonstrates how to use Finance Planner for specific financial goals.

View All Scenarios

Key Features

Multi-Person & Multi-Income Support Manage finances for your entire household, including multiple people, income streams, and spending categories.

Flexible Savings Accounts Organize and track multiple savings accounts for different goals.

Long-Term Projections See your wealth grow over decades with detailed, year-by-year forecasts.

FIRE Goal Tracking Set your FIRE number and monitor your progress toward financial independence.

"What If" Scenarios Experiment with savings rates, investment returns, and withdrawal strategies to see their impact.

Inflation Adjustment All calculations account for inflation, giving you a realistic view of your future purchasing power.

Advanced Planning Tools

Yearly Overviews: Get clear, actionable summaries of your net worth, passive income, and projected retirement expenses.
Customizable Inputs: Easily enter your income, expenses, investments, assets, and liabilities.
Visual Insights: Intuitive charts and graphs make complex financial data easy to understand.
Early Retirement Planning: Navigate both the accumulation and decumulation phases of early retirement.
User-Friendly Interface: Clean, intuitive, and accessible for everyone.

📥 Deposit Planning

Plan your savings deposits with advanced features including:

Flexible scheduling: Set up one-time or recurring deposits (monthly, yearly, etc.)
Timeframe planning: Define start and end dates for your deposit schedules
Inflation adjustments: Automatically adjust your deposits for inflation over time
Tax benefits modeling: Account for cashback and tax refunds on deposits

Tax-Advantaged Accounts

Finance Planner helps you model the tax benefits of deposits to retirement accounts:

Model tax-advantaged accounts like 401(k), IRA, and other retirement accounts
Calculate tax benefits based on your marginal tax rate (e.g., 22% or 24%)
See how tax refunds impact your actual savings rate and reduce the real cost of saving

📤 Withdrawal Planning

Plan your withdrawals with comprehensive tax considerations:

Flexible withdrawal schedules: Plan periodic or one-time withdrawals
Timeframe planning: Define when withdrawals begin and end
Inflation adjustments: Keep withdrawals aligned with inflation
Tax impact modeling: Account for taxes on withdrawals

Retirement Withdrawal Taxes

Understand the tax implications of your retirement withdrawals:

Model different tax scenarios for retirement withdrawals
Plan for required minimum distributions (RMDs)
See the real after-tax impact of your withdrawals and plan accordingly

📊 Financial Journey Overview

Get a complete picture of your financial future by matching incomes and expenses through time:

Income tracking: Visualize all income sources over time
Expense planning: See how expenses (deficit/surplus) evolve
Capital projection: Track your total savings and capital growth
Multi-person planning: Model finances for couples or households
Year-by-year breakdown: Understand exactly what happens each year

📚 Learn How to Use Finance Planner

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Video Tutorials Available

Watch comprehensive tutorials on how to maximize your Financial Independence planning with Finance Planner. Learn best practices, tips, and advanced strategies.

View Tutorials

Why Choose Finance Planner?

Clarity for FIRE Focus on the long-term vision crucial for financial independence.

Empowering Decisions Make smart financial choices today for a better tomorrow.

Beyond Budgeting Go deeper than basic budgeting—see the power of compounding and long-term strategy.

Stay Motivated Visualize your progress and stay inspired on your journey.

Who Is It For?

Individuals and couples pursuing F.I.R.E. - Get the tools you need for financial independence
Anyone planning their long-term financial future - Build wealth systematically
Investors projecting wealth growth and retirement readiness - Model different scenarios
Those wanting to understand the impact of their financial decisions - See long-term effects

🔒 Your Data, Your Privacy

Your financial information is highly sensitive. Finance Planner is designed with privacy as a core principle:

100% Local Storage: All your data and calculations stay on your phone—nothing is sent to external servers
No Cloud Sync: Your financial plans are yours alone and remain completely private
Full Control: You decide what to do with your data—export, backup, or delete it anytime

Note: The mobile apps use ads to remain free. Ad providers (AdMob) may collect anonymous usage data as described in our Privacy Statement.