Stanton, California · © OpenStreetMap contributors

Know how much is enough, and when you will get there.

PersonalFinance turns your income, spending, and savings into one plan: a target for financial independence, and the age your savings can reach it.

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Free to use. No bank logins. Your figures are visible only to you. About PersonalFinance

Projected net worth

$1,041,000 at age 52

Sample plan

Sample plan: spending $40,000 a year gives an FI target of $1,000,000. Starting with $40,000 and saving $2,000 a month at a 5% yearly return, net worth reaches that target at age 52.

How the plan works

Financial independence means your investments can pay for the life you live, so work becomes a choice. We want everyone to see their own path there, without handing over bank logins or paying for advice.

Your FI target
25 × annual spending
At this size, withdrawing about 4% a year covers your spending. Spend $40,000 a year and your target is $1,000,000.
Your growth
Savings + return
What you save each month and the return you assume set how fast your net worth grows. Try base, conservative, and aggressive rates side by side.
Your FI age
Where the lines cross
Your projection shows the age your net worth reaches the target. The Dashboard tracks how far along you are.

Three tools build your plan

  • Net Worth

    Enter your savings, income and spending. See your projection to retirement in base, conservative, and aggressive scenarios.

  • Budget

    Split your monthly income across ten spending categories, so you know how much is left to save.

  • Savings Goals

    Set a target for each goal and track how much you have saved toward it.

Also included

  • Spreadsheet Analysis Turn your budget spreadsheets into monthly income, expense, and category breakdowns.
  • Investment Calculator Model compound growth with your own contributions, return rate, and time horizon.
  • Google Drive Integration Connect a Drive folder and keep your budget spreadsheets in sync for analysis.
  • AI Assistant Ask questions about budgeting, saving, and investing in plain language.
  • Finance News Catch up on market and personal finance headlines without leaving the app.
  • Community Vote in polls and read stories from others working toward financial independence.

Get your first plan in three steps

  1. Create your account

    Register with your email address and choose a password. No payment details are needed.

  2. Add your numbers

    Enter your savings, income, and spending, set a monthly budget, and add your savings goals.

  3. Follow your plan

    Your Dashboard shows your progress to your FI target and the age you are on track to reach it.

Your financial data stays yours

  • Every figure you enter is tied to your account and shown only to you.
  • Connections are encrypted with HTTPS.
  • Google Drive is only accessed when you choose to connect a folder.
  • No bank logins are needed. You decide exactly what to enter.

Find your FI target today

Create a free account and see the age your plan reaches it.

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