Net Worth & Cashflow Life Planner

A free net worth and cashflow planner for your whole life

This free financial life planner projects your whole financial life year by year. It works as a net worth calculator, a cashflow projection tool, a savings and debt timeline, and a retirement and financial-independence planner in one place. Enter your income, expenses, debts, assets and goals, add life events like a home, a child, a career break or retirement, and the planner shows your projected net worth over time, your annual cashflow, and where your money goes each year.

Build your plan from blocks

The planner is built from blocks you control. Add income, expenses, debts, assets, savings goals, recurring items and one-off events, rename them, reorder them by drag or with the arrow keys, and remove any you do not need. Each row can be set to a yearly or monthly amount and given its own start and end year, so a salary that begins at 25 and a mortgage that ends at 55 both sit on the same timeline.

Assumptions you control

Assumptions are yours to set. Drag the sliders for investment growth, inflation, the projection horizon and an optional flat tax rate, and every chart updates in real time. One-click Optimistic, Average and Pessimistic presets switch the whole assumption set at once, and a today's-money toggle flips the projection between nominal and inflation-adjusted (real) terms so you can see purchasing power, not just headline figures.

A life-event timeline

The life-event timeline turns this from a calculator into a planner. Drag a pin along the age axis to place a house purchase, a new child, a career break or retirement, and the whole projection downstream recalculates around it. Each event can change your income, your expenses, or apply a one-off cost or windfall in the year it happens.

Charts that tell the story

Several views tell the three core stories. A net worth line chart with gridlines, age labels, hover tooltips and milestone markers shows the long arc; a composition chart breaks that total into assets above the line and debt below it; a cashflow bar chart shows each year as a surplus or shortfall; and a money-flow (Sankey) diagram with a year slider shows exactly where one year's income is allocated across expenses, debt, savings and surplus.

Monte Carlo and uncertainty

For uncertainty, the Monte Carlo view runs a thousand projections with the annual return varied around your assumption and reports the share of runs that stay funded to your horizon, alongside low, median and high outcomes. It is a measure of how sensitive the plan is to market variation, framed as an illustration rather than a prediction.

Compare up to four scenarios

Scenario comparison lets you save up to four versions of a plan and overlay them on the net worth chart in different colours, with the difference against your current plan shown for each. It is a quick way to compare a conservative path against a growth path, or to see what retiring earlier, saving more, or clearing a debt sooner does to the long-run picture.

How to use the planner

To use the planner, start by picking a template that fits your situation so the canvas is never blank: graduate, growing family, pre-retirement, FIRE or freelancer. Adjust the rows to your own numbers, set your assumptions with the sliders or a preset, and add any life events on the timeline. Read the projected net worth headline, scan the charts, and open the money-flow and Monte Carlo tabs for more detail. Save a scenario, change something, and save another to compare. When you are happy, export the year-by-year table to PDF or CSV, or copy a shareable link that encodes the whole plan in the URL.

Private by design

Everything is calculated in your browser and saved to local storage on your own device. There is no account, no sign-up and no server round-trip, so your figures stay private, and a shared link carries the plan itself rather than anything stored about you. Undo and redo let you explore freely, and the plan reloads exactly as you left it.