DIY Financial Planning
Know Your Numbers, Own Your Future

  • When can I actually afford to stop working?
  • Should I retire early at 55 or wait until 65?
  • Can I take that dream job with lower pay?
  • What if I buy a second home or start a business?
  • Am I on track or falling behind?

Spreadsheets are overwhelming. Generic calculators don't account for your actual life. You deserve to understand your own numbers.

Do-it-yourself retirement planning — understand your finances and own your plan.

FIRE seekers Pre-retirees DIY planners

Understand Your Numbers. Own Your Plan.

Get your Financial Independence date based on your real accounts, income, and expenses. Test any "what if" scenario and make confident decisions.

1

Connect Your Accounts or Describe Your Situation

Link your bank accounts or just type: "I make $95k, have $120k saved"

2

Get Your Financial Independence Date

See exactly when you can afford to retire based on your numbers

3

Test Your "What If" Scenarios

Early retirement? Career change? See the 30-year impact instantly

💼 All Accounts in One Place 🔒 100% Private ⚡ Instant Answers 🌍 Completely Free

Built by DIYers who wanted to understand their own numbers. We needed a straight answer to "when can I retire?" — so we built it.

Built For Your Stage of Life

🔥 Pursuing FIRE?

Calculate your FI number, model coast FIRE vs lean FIRE vs fat FIRE, optimize Roth conversion ladders.

  • FIRE number calculator
  • Roth conversion ladder planning
  • Geographic arbitrage modeling

🌴 Approaching Retirement?

Model Social Security timing, pension integration, Medicare costs, and RMDs.

  • Social Security optimization
  • Pension + 401k coordination
  • Safe withdrawal rate analysis

🎯 Planning Life Decisions?

Career changes, starting a family, buying property — see how decisions ripple through your future.

  • Career change impact
  • Family planning costs
  • Real estate scenarios

40+ Life Scenarios You Can Model

Career & Income

  • • Job loss / career gap
  • • Starting a business
  • • Going part-time
  • • Sabbatical planning

Family & Life

  • • Having children
  • • College funding (529)
  • • Supporting aging parents
  • • Inheritance planning

Property & Assets

  • • Buying a home
  • • Investment property
  • • Downsizing in retirement
  • • Relocating (lower COL)

Market & Strategy

  • • Market crash impact
  • • Roth conversion ladder
  • • Early Social Security
  • • Annuity vs investments

Frequently Asked Questions

Why scenario modeling instead of Monte Carlo simulations?

Monte Carlo gives you probability ranges ("70% chance of success"). For real life planning, you need to model specific high-impact events — "What if there's a 50% crash in Year 3?" or "What if inflation spikes to 8%?" — and build concrete contingency plans. Our deterministic engine gives you actionable conviction, not probability fog.

Where is my data stored?

100% data sovereignty — everything stays in your browser's local storage. Your financial data never touches our servers. You own and control your data completely.

Is FinP4l really free? What's the catch?

Yes, completely free. FinP4l is a public benefit project — no ads, no premium tiers, no selling data.

Can I calculate my FIRE number?

Yes! FinP4l calculates your FI number based on expenses and shows when you'll reach it.