Take control of your financial future with confidence. Model your path to retirement, explore what-if scenarios, and make informed decisions about your money - completely free and private in your browser. No signup required. FinP4l is a Public Benefit Project.

I’ve been building FinP4l.com, a personal finance tool aimed at making professional-grade personal financial planning free and available. I am treating it as a public benefit project — just something I wanted to exist in the world and see if others find it valuable too. 🧰 What it does: Net worth + FI progress tracking Scenario planning timeline (job changes, RE date, Roth ladders, etc.) Expense tracking + analytics Tax-aware withdrawal modeling Spreadsheet-style flexibility but without needing to link accounts No tracking, ads, or paywalls — just a working tool 💡 Why I built it: I wanted something simple but powerful enough to model my own finances and manage expenses, while planning for earlier retirement. 📈 Current status: Built solo (React + serverless backend) Live and functional Soft-launched quietly — now looking for honest feedback to improve it and see if it resonates 🙏 Would love input on: Should I keep going? What would you like to see in a project like that?

Free financial modeling with no signup is refreshing. Does it handle complex scenarios like variable income or multiple retirement accounts?

Also launching today (ZenTrack) - upvoted!

@graino Thanks, and yes, it does handle complex scenarios with multiple retirement accounts and some degree of variable income (like bonuses, RSU's etc) - is that what you were thinking, or something else?

Hey! Yes exactly - RSUs and bonuses were what I had in mind. Super important for tech folks planning their future.

Modeling different scenarios is so powerful for making better decisions - we use the same concept for productivity patterns!

Free financial modeling with no signup is refreshing. Does it handle complex scenarios like variable income or multiple retirement accounts?

Also launching today (ZenTrack) - upvoted!

Hey! Yes exactly - RSUs and bonuses were what I had in mind. Super important for tech folks planning their future.

Modeling different scenarios is so powerful for making better decisions - we use the same concept for productivity patterns!

FinP4l - AI-assisted Financial Modeling

Demystifying financial independence through easy modeling

Demystifying financial independence through easy modeling