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Where does your money actually go?

Enter your salary and spending — then get a free AI plan with specific ways to retire sooner.

Monthly spending (optional)
Skip any category you don't want to track.
Investments (optional)
Needed for FIRE calculations and passive income projections.
You can always update everything via ⚙ Edit
Free · no account · powered by Claude AI

Find out how much sooner you could retire.

Our AI analyses where your money goes and builds a free, personalised plan to help you retire years sooner.

Enter your salary, add spending below, then get your free AI plan
Free forever No sign-up Works in any currency

How it works

Three steps, under a minute, no sign-up.

1
Enter your numbers
Salary, monthly spending, and any savings. Takes under a minute.
2
See where it goes
A clear breakdown of your spending, your real savings rate, and your path to independence.
3
Get your AI plan
A free, personalised plan with specific changes to retire sooner.

Spending breakdown

Monthly spending breakdown
Monthly income
Monthly spend
of income
Left over
per month
Budget breakdown

Savings rate

Your monthly savings rate
0% OF GOAL
Enter your spending details to see your savings picture.
Actual saved/mo
Annual savings
10-yr projection
at 6% growth

Financial independence

When you could stop working
Add your portfolio to see your progress, passive income & projections.

Your AI financial plan

AI-powered analysis based on your numbers — exportable to PDF
✦ The whole point of this page
Get your free AI financial plan in 30 seconds.
You've seen your numbers. Now get a brutally honest AI analysis — what to cut, how to invest, and the exact age you can stop working. Takes 30 seconds.
✓ Personalised to your numbers ✓ FIRE timeline ✓ 3 action steps ✓ PDF download
💡 You get 2 plans per day — make them count. Fill in your spending and investments using ⚙ Edit before generating.
First plan free · then $4.99 for unlimited · Powered by Claude AI
📄 Join thousands who've downloaded their plan

Features

See your full financial picture in one place.

📊
Spending breakdown
See exactly where every part of your salary goes each month, with your real savings rate.
🔥
FIRE projection
Find the age you could reach financial independence based on your real numbers.
AI retirement plan
Claude analyses your finances and writes a personalised plan to retire sooner.
🌍
Any currency
Works wherever you are, with dozens of currencies and live conversion.
🔒
Private by default
No account, no email, nothing stored on a server. Your numbers stay in your browser.
📄
Download as PDF
Take your full plan and breakdown with you as a clean PDF.

FAQ

Is it really free?
Yes. The calculator, breakdown, and your first AI plan are completely free with no account needed. Additional AI plans are $4.99 for unlimited use, but you never have to pay to see your numbers.
Do you store my financial data?
No. Your salary and spending stay in your browser — they're never sent to or stored on a server. There's no account and no email required, so nothing ties the numbers to you.
What is FIRE?
FIRE stands for Financial Independence, Retire Early. It's the point where your savings and investments generate enough to cover your living costs, so working becomes optional. The tool estimates the age you could reach it based on your savings rate.
How does the AI plan work?
Once you've entered your numbers, Claude analyses your spending, savings rate, and goals, then writes a personalised plan with specific changes — where to cut, how much to invest, and how those changes move your retirement date closer.
Which currencies are supported?
Dozens, including USD, GBP, EUR, AED, INR, SGD, CAD, and many more. Pick yours at the top and every figure converts automatically.