Frequently Asked Questions

PlanyFI is a personal financial planning tool built for people serious about financial independence. It models your income, expenses, investments, and life events across a multi-year timeline so you can see exactly what your decisions mean for your financial future — before you make them.

YNAB and Monarch Money are budgeting tools — they help you track and manage what you've already spent. PlanyFI is a forward-looking financial model. Instead of looking backward at transactions, it projects your net worth, investment growth, and FIRE milestones years or decades into the future.

Coast FIRE is the point at which you've saved enough that — even without additional contributions — your portfolio will grow to your target retirement number by a specific age. PlanyFI calculates your Coast FIRE milestone automatically and updates it as you adjust your income, expenses, and investment assumptions.

PlanyFI does not connect to your bank accounts or require any financial credentials. All data you enter stays within your account and is encrypted at rest. We do not sell your data to third parties. You can export your data at any time.

We're currently in closed development and accepting waitlist applications for early access. Waitlist members will receive priority access and early adopter pricing. We'll notify you via email as soon as your spot opens up.

PlanyFI Premium will be $5/month or $50/year (a 17% discount). Early waitlist members may receive a discounted launch rate — join the waitlist to lock it in.

Free accounts can save 1 scenario. Premium accounts can create and save unlimited scenarios — letting you compare "stay at current job vs. switch careers," "rent vs. buy," or "retire at 45 vs. 50" side by side.

Yes. Premium accounts can export all projection data as CSV for use in your own spreadsheets or further analysis. We believe your financial data belongs to you.