FinRoad: Plan Personal Finance

Plan your investments, retirement, and first home in one place. FinRoad does the math so you can see where you actually stand.

FinRoad helps you plan three of the biggest money decisions you'll make: how to invest, when you can retire, and what you can really afford when buying a home.

Set a goal and FinRoad runs the numbers. Give the investment planner a target, your starting capital, and a timeline, and it tells you the monthly amount you'd need. Flip it around and it tells you how long a fixed monthly amount would take instead. The retirement planner estimates how far off financial independence is, based on your income, expenses, and savings rate, with controls for inflation and expected returns. The mortgage planner breaks a purchase down into the loan you'd actually take on, the monthly payment, the total interest, and your loan-to-value, including the costs people tend to forget: transfer tax, notary fees, and agent commission.

Every projection comes with a chart, so you can watch savings grow or a loan get paid off over the years instead of staring at one number.

A few things worth knowing:

• It's free, and there's no account to create.
• Your financial data stays on your device. We don't upload it anywhere.
• Available in English, German, Spanish, Portuguese, and Polish.

FinRoad won't promise to make you rich. It lays out the trade-offs clearly so you can make a call and check how you're tracking against it.