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Basic Information

Income Streams

Total Monthly Income

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Expense Streams

Total Monthly Expenses

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Assets

Total Assets Value

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Major Future Expenses

Savings Distribution

Total Allocation

Monthly Savings Breakdown

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Financial Projections

Summary

Retirement Savings

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Net Worth at Retirement

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Monthly Retirement Income

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Net Worth Projection

+ value.toLocaleString(); } } } }, plugins: { tooltip: { callbacks: { label: function(context) { let label = context.dataset.label || ''; if (label) { label += ': '; } if (context.parsed.y !== null) { label += ' + context.parsed.y.toLocaleString(); } return label; } } } } } }); // If we have stored projection data, update the chart if (this.projectionData.years && this.projectionData.years.length > 0) { this.updateChart(); } }, updateChart() { if (!this.projectionChart) return; // Update chart data this.projectionChart.data.labels = this.projectionData.years; this.projectionChart.data.datasets[0].data = this.projectionData.netWorth; this.projectionChart.data.datasets[1].data = this.projectionData.savings; // Add retirement age line const retirementYear = new Date().getFullYear() + (this.basicInfo.retirementAge - this.basicInfo.currentAge); const retirementIndex = this.projectionData.years.indexOf(retirementYear); if (retirementIndex !== -1) { this.projectionChart.options.plugins.annotation = { annotations: { retirementLine: { type: 'line', xMin: retirementIndex, xMax: retirementIndex, borderColor: 'rgba(255, 99, 132, 0.5)', borderWidth: 2, label: { content: 'Retirement', enabled: true, position: 'top' } } } }; } this.projectionChart.update(); }, // Utility Functions formatNumber(number) { return number.toLocaleString(undefined, { maximumFractionDigits: 2 }); }, showToast(message) { // Create toast element const toast = document.createElement('div'); toast.className = 'fixed bottom-4 right-4 bg-green-500 text-white px-4 py-2 rounded-md shadow-lg z-50 transition-opacity duration-300'; toast.textContent = message; // Add to document document.body.appendChild(toast); // Remove after 3 seconds setTimeout(() => { toast.style.opacity = '0'; setTimeout(() => { document.body.removeChild(toast); }, 300); }, 3000); }, exportToCSV() { // Create CSV content let csvContent = "data:text/csv;charset=utf-8,"; // Basic Info csvContent += "Basic Information\n"; csvContent += "Current Age," + this.basicInfo.currentAge + "\n"; csvContent += "Retirement Age," + this.basicInfo.retirementAge + "\n"; csvContent += "Life Expectancy," + this.basicInfo.lifeExpectancy + "\n"; csvContent += "Inflation Rate (%)," + this.basicInfo.inflationRate + "\n"; csvContent += "Investment Return (%)," + this.basicInfo.investmentReturn + "\n"; csvContent += "Tax Rate (%)," + this.basicInfo.taxRate + "\n\n"; // Income Streams csvContent += "Income Streams\n"; csvContent += "Name,Amount,Frequency\n"; this.incomeStreams.forEach(income => { csvContent += `${income.name},${income.amount},${income.frequency}\n`; }); csvContent += "\n"; // Expense Streams csvContent += "Expense Streams\n"; csvContent += "Name,Amount,Frequency\n"; this.expenseStreams.forEach(expense => { csvContent += `${expense.name},${expense.amount},${expense.frequency}\n`; }); csvContent += "\n"; // Assets csvContent += "Assets\n"; csvContent += "Name,Value,Annual Growth (%)\n"; this.assets.forEach(asset => { csvContent += `${asset.name},${asset.value},${asset.growth}\n`; }); csvContent += "\n"; // Major Expenses csvContent += "Major Expenses\n"; csvContent += "Name,Amount,Year\n"; this.majorExpenses.forEach(expense => { csvContent += `${expense.name},${expense.amount},${expense.year}\n`; }); csvContent += "\n"; // Savings Allocations csvContent += "Savings Allocations\n"; csvContent += "Name,Percentage\n"; this.savingsAllocations.forEach(allocation => { csvContent += `${allocation.name},${allocation.percentage}\n`; }); csvContent += "\n"; // Projection Summary csvContent += "Projection Summary\n"; csvContent += "Retirement Savings," + this.projectionSummary.retirementSavings + "\n"; csvContent += "Net Worth at Retirement," + this.projectionSummary.netWorthAtRetirement + "\n"; csvContent += "Monthly Retirement Income," + this.projectionSummary.monthlyRetirementIncome + "\n\n"; // Projection Data csvContent += "Yearly Projections\n"; csvContent += "Year,Age,Net Worth,Savings,Major Expenses\n"; const currentAge = parseInt(this.basicInfo.currentAge); for (let i = 0; i < this.projectionData.years.length; i++) { const year = this.projectionData.years[i]; const age = currentAge + i; const netWorthValue = this.projectionData.netWorth[i]; const savingsValue = this.projectionData.savings[i]; const majorExpenseValue = this.projectionData.majorExpenses[i]; csvContent += `${year},${age},${netWorthValue},${savingsValue},${majorExpenseValue}\n`; } // Create download link const encodedUri = encodeURI(csvContent); const link = document.createElement("a"); link.setAttribute("href", encodedUri); link.setAttribute("download", "fintrack_export.csv"); document.body.appendChild(link); // Trigger download link.click(); // Clean up document.body.removeChild(link); this.showToast('Data exported successfully!'); } })); });

Plan Your Financial Future With Confidence

Track your income, expenses, and assets to create a roadmap for financial freedom and achieve your life goals.

Get Started Learn How It Works

Track Multiple Income Streams

Add salary, investments, side hustles, and more with customizable growth rates.

Plan Major Expenses

Account for big purchases like homes, cars, and education with installment planning.

Visualize Your Future

Interactive charts show your financial journey with real-time calculation updates.

Start Planning Your Financial Future Today

Enter your basic information below and start building your complete financial roadmap step by step.

Begin Your Plan

Sample Financial Projection

Years: 2023-2053

Your financial projection will appear here

Powerful Features to Plan Your Financial Future

Our comprehensive tool helps you model your finances from today until retirement and beyond.

Multiple Income Streams

Add salary, freelance work, rental income, and more. Set different growth rates and time periods for each income source.

  • Customizable start and end years
  • Individual growth rates for each stream
  • Annual amount tracking and forecasting

Expense Tracking

Plan for regular expenses with inflation adjustments. Categorize and monitor your spending over time.

  • Multiple expense categories
  • Inflation-adjusted projections
  • Time-bound expense planning

Major Life Expenses

Plan for large purchases like houses, cars, and education with installment options and loan calculations.

  • One-time or installment options
  • Loan interest calculations
  • Payment timeline planning

Asset Management

Track and grow different types of assets with customizable growth rates and spending priorities.

  • Multiple asset categories
  • Configurable growth rates
  • Spending priority configuration

Savings Distribution

Allocate your savings across multiple asset types with customizable time periods and percentages.

  • Percentage-based distribution
  • Time-period specific allocations
  • Interactive distribution sliders

Visual Analytics

Comprehensive charts and graphs that update in real-time as you modify your financial inputs.

  • Stacked bar and area charts
  • Real-time data updates
  • CSV export functionality
Start Building Your Plan

Visualize Your Financial Journey

Our interactive dashboard helps you see your financial future at a glance, with powerful visualization tools.

Financial Overview Dashboard

Years: 2023 - 2053

Net Worth Projection

$2.4M

By 2053

Income vs Expenses

+$42K

Annual Savings (2023)

Income

20K

Expenses

$78K

Asset Allocation

$384K

Current Assets (2023)

Financial Projection (30 Years)

2023
2028
2033
2038
2043
2048
2053
$2.5M $2.0M .5M .0M $500K $0
Income
Expenses
Asset Growth
Major Expenses

Ready to start planning your financial future?

Create Your Financial Plan

How Our Financial Planner Works

Our step-by-step approach helps you build a comprehensive financial plan for your future.

1. Enter Your Basic Information

Start by setting your timeframe. Define your starting year (default 2015) and how far into the future you want to plan (default 2075). This creates the foundation for all your financial projections.

  • Set your current age to calculate retirement timelines
  • Define your planning start year (when your financial journey begins)
  • Set your planning end year (how far into the future you want to project)

Basic Information

Step 1

Income Streams

Step 2
Salary

2023

2053

$80,000

3.5%

Consulting

2023

2030

5,000

2.0%

2. Add Your Income Streams

Track all your sources of income, from your primary salary to side hustles, investments, or rental properties. Each income stream can have its own timeline and growth rate.

  • Add multiple income sources with specific start and end years
  • Set annual growth rates to account for salary increases, inflation, etc.
  • Plan for retirement by setting end dates for employment income

3. Track Your Regular Expenses

Map out your recurring expenses such as daily living costs, housing, utilities, and ongoing commitments. Each expense category can have its own inflation rate.

  • Create categories for all your regular expenses
  • Account for inflation with customizable annual growth rates
  • Set specific timelines for expenses like education or childcare

Expense Streams

Step 3
Daily Living

2023

2053

$45,000

2.5%

Healthcare

2023

2053

$6,000

4.0%

And There's More...

Continue building your complete financial plan with assets, major expenses, and savings distribution.

4. Manage Your Assets

Add all your current assets with their values and expected growth rates, and set spending priorities for each.

5. Plan Major Expenses

Account for big-ticket items like homes, cars, or education with one-time costs or installment plans.

6. Distribute Your Savings

Allocate your annual savings across different assets with customizable time periods and percentages.

Start Your Financial Plan Now

Your Financial Inputs

Enter your financial details across these sections to build your comprehensive financial plan.

1 Basic Information

Let's start with some basic information about your timeline.

This helps calculate retirement timelines

Default: Current year

How far to project (e.g., 30 years)

2 Income Streams

Add all your sources of income, from salary to side hustles or investments.

Primary Salary

3 Expense Streams

Add your regular expenses with projected inflation rates.

Living Expenses

4 Assets

Add your current assets and set their expected growth rates.

Savings Account

Higher priority assets are spent first when expenses exceed income

5 Major Expenses

Plan for large purchases like homes, cars, or education.

New Car

Calculated based on loan duration and interest rate

6 Savings Distribution

Define how your annual savings are distributed across your assets.

2023-2030 Distribution

Distribution Percentages (Total: 100%)
Savings Account (Cash) 30%
Investment Portfolio (Stocks) 70%
Total Distribution 100%

7 Financial Projections

View your projected financial future based on the inputs provided.

Your financial projection will appear here

Complete the above sections and click "Refresh Calculations"

Start Your Financial Plan

How We Calculate Your Financial Future

Our precise year-by-year calculation methodology ensures accurate financial projections.

Income Projections

For each year in your timeline, we:

  • Increase previous year's income by your specified annual growth percentage
  • Check if each income stream's end year has been reached, and if so, set it to zero
  • Add any new income streams that start in the current year
  • Sum all active income streams for the year's total income

Expense Calculations

For your expenses, we calculate:

  • Increase each expense stream by its inflation rate (annual growth)
  • Terminate expenses that have reached their end year
  • Add one-time major expenses occurring in the current year
  • Include installment payments for major expenses like home loans or car loans

Asset Management

Your assets are managed by:

  • Growing each asset by its annual growth percentage
  • Calculating surplus or deficit by comparing total income to total expenses
  • Distributing savings according to your savings distribution plan
  • Using assets to cover expenses when income is insufficient, based on spending priority

Year-by-Year Calculation Process

1 Starting Point
  • Begin with the initial year specified in your start year
  • Use initial values provided for all income streams, expenses, and assets
2 Income & Expenses
  • Calculate total income by summing all active income streams
  • Calculate total expenses for the year, including major expenses
3 Balance Calculation
  • Determine if income exceeds expenses (surplus) or if expenses exceed income (deficit)
  • Apply appropriate actions based on surplus or deficit
4 Forward Projection
  • Move to next year and increase all values by their growth rates
  • Repeat the calculation process for each year until the end year

Detailed Surplus/Deficit Handling

When Income > Expenses (Surplus)
1

Calculate Savings

Savings = Total Income - Total Expenses

2

Distribute Savings

Split savings across assets according to the savings distribution for that year

3

Grow Assets

Each asset grows by its annual growth rate plus the portion of savings allocated to it

Asset[Year] = Asset[PrevYear] + (Asset[PrevYear] × Growth) + (Savings × Distribution%)

When Expenses > Income (Deficit)
1

Calculate Shortfall

Deficit = Total Expenses - Total Income

2

Prioritize Asset Spending

Use assets in order of spending priority to cover the deficit (higher priority assets used first)

3

Check for Insolvency

If all assets are depleted and deficit remains, a calculation error is triggered, indicating potential insolvency

Our comprehensive calculation methodology ensures your financial projection accounts for all variables across your entire planning horizon.

Begin Your Financial Planning

What Our Users Say

Discover how our financial planning tool has helped people achieve their financial goals.

Sarah Johnson

Financial Analyst

"Even as a financial professional, I was struggling to plan my personal finances with the level of detail I wanted. This tool has changed everything. The ability to model multiple income streams with different growth rates is exactly what I needed."

Using since December 2022

Michael Rodriguez

Small Business Owner

"As someone with variable income from my business, I needed a way to plan for the future with realistic scenarios. This tool lets me map out multiple income streams and plan major expenses years in advance. It's been invaluable for my peace of mind."

Using since March 2023

Emily Chen

Software Engineer

"The visualization of my financial future has been eye-opening. I was able to see exactly how much I needed to save for retirement and what adjustments I needed to make now. The interactive charts make complex financial planning accessible."

Using since August 2023

David Thompson

Early Retiree & FIRE Advocate

"I achieved financial independence and retired at 42 thanks in part to careful planning with tools like this. The ability to model different asset allocations and see how they affect long-term growth was crucial. What I love most is how the tool accounts for major life expenses and shows exactly what impact they have on your timeline to financial freedom."
"The savings distribution feature helped me optimize my investment strategy across different asset classes. Being able to visualize the compound growth over decades made all the difference in staying motivated on my journey to early retirement."

Using since January 2021

David's Financial Journey

  • Started with a 15-year retirement plan
  • Optimized savings distribution across multiple asset types
  • Accounted for major home renovation and travel expenses
  • Achieved financial independence 3 years earlier than planned
  • Now using the tool to maintain and adjust retirement strategy
Time to Reach Goal: 12 Years

Goal Achieved: Financial Independence

Join Thousands Planning Their Financial Future

Start Your Financial Plan

Frequently Asked Questions

Find answers to common questions about our financial planning tool.

The financial projections are based on the data and assumptions you provide. They are intended to give you a realistic view of your financial future based on those inputs. However, it's important to remember that:

  • Future market performance and inflation rates may differ from your assumptions
  • Life events may occur that aren't accounted for in your plan
  • Tax laws and other regulations may change over time

We recommend reviewing and adjusting your plan regularly as your circumstances change or at least once a year.

Yes, your financial data is secure. Our application uses client-side processing, which means your data stays on your device and is never transmitted to our servers unless you explicitly choose to save it to your account. We use industry-standard encryption for any data that is stored, and we never share your information with third parties.

Inflation is accounted for in two primary ways:

  1. For expense streams, you can set an annual growth rate that represents the inflation rate you expect for that particular expense category. Different expenses may have different inflation rates.
  2. For income streams, the annual growth rate you set should ideally exceed inflation if you want to maintain purchasing power over time.

A common approach is to use 2-3% as a baseline inflation rate for general expenses, with potentially higher rates for categories like healthcare or education.

Expense streams and major expenses serve different purposes in your financial plan:

Expense Streams

  • • Ongoing regular expenses
  • • Subject to annual inflation
  • • Examples: living costs, utilities, subscriptions
  • • Typically recur throughout your plan

Major Expenses

  • • Large one-time or finite-period costs
  • • Can be paid at once or in installments
  • • Examples: home purchase, car, education
  • • Occur at specific points in your timeline

Major expenses with installments (like loans) will appear alongside your regular expenses in the projections, while one-time major expenses will appear as individual points on your chart.

Savings distribution allows you to specify how you'll allocate your surplus income (savings) across different assets:

  1. When your income exceeds expenses in a given year, the difference is considered savings
  2. You define distribution periods with specific start and end years
  3. For each period, you use sliders to allocate what percentage of savings goes to each eligible asset
  4. Only assets with the "Add savings into this asset" option checked are eligible
  5. The percentages must total exactly 100% for each distribution period

This feature is powerful for modeling how different saving strategies impact your long-term financial picture, allowing you to compare more conservative vs. aggressive approaches.

If the calculator determines that your expenses exceed your income and you don't have sufficient assets to cover the shortfall, you'll see a calculation error indicating potential insolvency at that point in your timeline.

This is actually a valuable feature, as it helps you identify:

  • When you might run out of money
  • How much additional saving or income you need
  • Which expenses you might need to reduce
  • Whether your retirement timeline is realistic

You can then adjust your plan accordingly to create a sustainable financial future.

Yes, you have several options for saving and exporting your financial plan:

  • Export CSV: You can export your complete projection data to a CSV file, which can be opened in Excel or similar applications for further analysis.
  • Save Configuration: If you create an account, you can save your entire plan configuration to access later or on different devices.
  • Print/PDF: You can print your projection charts and summaries or save them as PDF documents for your records.

We recommend regularly saving updated versions of your plan as your financial situation evolves.

Have more questions that aren't answered here?

Contact Us

Get in Touch

Have questions about our financial planning tool? We're here to help.

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Other Ways to Reach Us

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Available Monday-Friday, 9AM-5PM EST

+1 (800) 123-4567

Email Support

We'll respond within 24 hours

support@financetracker.com

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Start a chat session

Frequently Asked Questions

Find quick answers to common questions in our FAQ section.

View FAQ Section

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