More Info - Finance Planner

🔒 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.

📂 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

More Information About Finance Planner