PlanyFI is a forward-looking financial model for analytical professionals who have outgrown spreadsheets and want real answers before making real decisions.
Free to start, no credit card. Your plan saves to your account.
Most financial tools answer one question: where did my money go? PlanyFI answers a different one: where is it going?
A new job, a move, a major purchase and suddenly your model is wrong in three places at once. You spend the afternoon fixing formulas instead of making decisions.
YNAB and Monarch tell you where your money went. That is useful. But you are thinking 5, 10, 20 years out. No tracking app was built for that.
Should you take that offer? Buy or keep renting? How does a sabbatical affect the timeline? These are not questions a budget category can answer.
Built for people who take their numbers seriously.
Model your income, expenses, investments, and net worth across a 10, 20, or 30-year horizon. See your trajectory, not just your snapshot.
Add income changes, expense events, and life milestones with start and end dates. Your model reflects reality, not static assumptions.
Calculate your financial independence number and your Coast FI date. Know exactly where you stand and what it takes to get there.
Watch your net worth curve update in real time as you adjust scenarios. See the impact of every decision before you commit to it.
Build side-by-side what-if scenarios. Compare rent vs buy, retire at 45 vs 50, or a career change, and see the numbers next to each other.
Track holdings with live price quotes, compare your mix against target allocations by asset class, and see when you are due to rebalance.
Project your account balances week by week from recurring income and expenses, with low-balance warnings and a clear cash runway.
See how your income, expenses, and net worth compare to typical US households by age, state, family size, and income percentile.
Create a free account and build your first model in minutes. The full toolset is free to start, no credit card required.
Try it free