Trackers tell you what happened. Fi-Plan shows you what's possible.

Plan your financial future
like a time machine

Simulate your entire financial life, decades ahead — and spot the gaps before they happen.

50 years, month by monthRead-only — no broker passwordsEncrypted at rest (AES-256 + KMS)

Net worth — 50 years, month by monthSimulation

Gap: ₹4.2L short · Mar 2038

Net worth @ 60

₹8.4Cr

FI date

54y 2m

Runway

4.6 yrs

Start from someone else's plan

Fork a template, swap in your numbers, see your 50 years in about four minutes.

Retire at 45₹1.8L income · 63.9% savings rateBlueprints: downshift at 40, start the golden goose at 45.Fork this plan

NRI return to India₹2.5L income · 60% savings rateBridge the 401(k) gap — rupee-ready corpus by 2028.Fork this plan

₹12L first plan₹1L income · 55% savings rateThe starter blueprint — 3 minutes, zero jargon.Fork this plan

Prepay vs invest₹1.5L income · 53.3% savings rateEMI @ 8.6% vs index SIP — where every extra rupee goes further.Fork this plan

Retirement & FIRE planning, built for Indian salaries

Simulate decades, not months

Declare income, expenses, EMIs, SIPs and assets once — the engine models 50 years, month by month.

Private by design

Manual entry or read-only sync — never your broker password. Your plan is encrypted at rest and readable only by you.

Compare & what-if

SIP +10%? Prepay the loan? Compare two plans side by side on one timeline, then pick the better one.

How the financial simulator works

Go from raw numbers to clear 50-year visibility in three steps.

Set your numbers

Income, expenses, EMIs, SIPs, assets — minutes, not spreadsheets.

Watch 50 years simulate

Net worth, runway, gaps — every single month, scrubbable like a timeline.

What-if & compare

Test the raise, the loan prepay, the sabbatical — then pick the better plan.

Plan from your terminal, or your chat window

Ask Claude, ChatGPT or Cursor to explore your plan — "what if I take a sabbatical?", "modelled my NRI return" — and open the result in Fi-Plan with one link.

claude_desktop_config.json

{
  "mcpServers": {
    "fi-plan": {
      "url": "https://fi-plan.app/mcp"
    }
  }
}

Built for India, built for real life

Indian units from the start — ₹ Lakh / Crore, EMI/SIP language, old vs new tax regime
FIRE-ready vocabulary: runway coverage, FI freedom, savings rate
NRI-friendly: 401(k) vs India scenarios, return-and-retire plans

The dashboard answers the questions you actually have:
"Am I on track? What's my runway? When does the money get tight?"

Free calculators

Quick standalone answers to your most frequent financial questions.

FIRE numberHow much is enough?Open Savings rateAm I saving 30%?Open Prepay vs investWhich is better?Open SIP goalMonthly amount to reach itOpen

Common questions

Straight answers. Your plan stays yours — Q&A below never touches your numbers.

Is Fi-Plan free to start?

Yes — creating your first plan is free. You declare income, expenses and assets once, and Fi-Plan simulates up to 50 years month-by-month, including taxes, EMIs, SIPs and salary changes.

Why not just use a spreadsheet?

A spreadsheet breaks the moment your salary changes, you take a sabbatical, or you want to compare prepaying a loan vs investing. Fi-Plan models every month — net worth, runway and funding gaps — and shows what-if comparisons of complete plans.

How does Fi-Plan keep my financial data private?

By design: manual entry or read-only bank sync — never your broker password. Plans are encrypted at rest (KMS) and only you can read them.

What is the 4% rule I see on the FIRE calculator?

The classic safe-withdrawal rule: a corpus of 25× your annual expenses can fund your retirement with about a 95% historical success rate. The FIRE number calculator uses it to work out your FI corpus and time to FI.

Your future self will thank you.

Four minutes of numbers today, a decade of clear decisions tomorrow.

Plan your financial future like a time machine