Worthifi: Plan Your Money

Big money decisions deserve more than a gut feeling.

Worthifi lets you model life's biggest financial choices — buying a home, changing jobs, starting a business, paying off debt — and see how each one could play out over the years. Build a financial plan, explore alternatives, and compare the outcomes before you commit.

START WITH THE QUESTION
Choose a target — reach financial independence by a certain year, build a chosen net worth, or make your money last — and Worthifi shows what it could take. See how much more you may need to earn, how much less you may need to spend, or how much longer you may need to work.

WHEN COULD YOU RETIRE?
Whether you aim for early retirement, FIRE or a steady income from your investments, Worthifi works as a financial independence calculator: enter income, spending and assets, and see when work could become optional — and which changes bring that day closer.

COMPARE THE DECISION
With Worthifi Pro, test several versions of a purchase side by side. Compare a home's price, mortgage rate, down payment, payment or term, or explore different business profit levels while the rest of your plan stays consistent.

SCENARIO PLANNING
Start with a baseline plan, then fork what-if alternatives. Compare net worth, passive cashflow, cash runway and financial independence side by side — so the trade-offs are clear.

A TIMELINE FOR REAL LIFE
Place purchases, sales, income and expense changes, debt repayments, recurring income and investment withdrawals on a monthly timeline. Move money between your cash reserve and investment segments without losing sight of the wider plan.

KEEP THE PLAN GROUNDED IN REALITY
At the end of a month, record the cash reserve and investment balances you actually reached. Worthifi carries the projection on from that reality, shows how actual accessible money differed from the forecast, and highlights material changes to the plans connected to that check-in. Optional reminders help you keep the habit going.

IDEAS WHEN YOU NEED THEM
Explore a library of real-life questions — from buying a first home or taking parental leave to drawing an income from investments — with a direct path into the right modeling tool.

HONEST, TRANSPARENT MATH
Every projection shows the assumptions behind it: income and expense growth, returns, rates and reserves. Adjust them now, or use Worthifi Pro to model how selected assumptions change in future years.

LIQUIDITY VS. NET WORTH
Understand your cash runway separately from total net worth. See when accessible money may run out, not just when a spreadsheet total still looks healthy.

PLAN IN YOUR CURRENCY
Plan in 14 currencies, including USD, CAD, EUR and GBP, with simple net-income entry for any country. Czech plans additionally include payroll and self-employment tax modeling, plus optional estimated local disposal tax for taxable asset sales and investment withdrawals. Estimates are for planning, not tax advice.

PRIVATE BY DESIGN
Your plans stay on your device. No account is required, and we never see or store the financial values you enter.

FREE TO START
• Your baseline plan plus one what-if plan
• Two-plan comparison
• “What would it take?” target calculations
• Monthly check-ins and optional reminders
• Timeline decisions, recurring income and investment movements
• 14 currencies, English and Czech

WORTHIFI PRO
Unlock planning without limits:
• Unlimited plans and multi-plan comparison
• Plan Resilience simulations
• Side-by-side purchase and business value comparisons
• Future assumption changes
• PDF export of plans and comparisons

Available as a monthly or yearly subscription, or a one-time lifetime purchase. Prices are shown in the app before you buy.

Your future deserves more than a gut feeling. See what it could be worth.