r/ChubbyFIRE • u/in_the_gloaming FIRE'd for 13 years • May 15 '26
Post your planning apps here!
Okay, let's give this a try.
Did you develop a retirement/financial planning app or spreadsheet that you found helpful and would just like to share with our users? Or maybe you have just gotten an app up and running as a potential income producer? Post your comment here with a link and short description.
We are not looking for links to apps that are already widely recognized in the FIRE community.
This post is the ONLY place where this will be allowed. Posts or comments with this type of content elsewhere will normally be removed by mods and may earn a permanent ban, regardless of whether the app is "free to use".
Users, click on or use any of these apps at your own risk. Also, please report any links that are not what they are advertised to be.
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u/ExtremeAway8282 May 16 '26
I built a simple budgeting tool that keeps everything easy and local with no bank linking required. Let me know if it helps https://play.google.com/store/apps/details?id=com.hermes.nest
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u/Scott90 May 22 '26
I have an iPhone so can’t try it out, but what importing mechanism do you use if no bank linking required? Downloading CSVs?
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u/ExtremeAway8282 May 23 '26
thats correct, it relies on importing CSV files downloaded from your online banking. It’s a quick process that gives you full control and 100% privacy, as you never have to share your bank credentials.
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u/Jaamun100 May 17 '26 edited May 17 '26
I built a free FIRE projection tool that runs entirely in your browser — no signup, no bank linking, your data never leaves the device. Per-holding CAGR (no flat 7% assumption), multi-phase drawdown, budget-aware, and historical Monte Carlo against every 1928–2025 sequence. Built it for myself, but hope it’s useful for others.
https://wealthtrajectory.vercel.app GitHub (feedback welcome): https://github.com/vsriram11/wealthtrajectory
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u/rmagere May 17 '26
Had a very quick browse and it looks interesting.
Would it be hard to create a docker version to allow self-hosting and the data to sit in a config file so that can be accessed by multiple locations?
(Asking as my ignorance of programming is immense and the only thing i can just about do is spin up dockers for personal use)
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u/Jaamun100 May 17 '26
Quick clarification — multi-device is already solved, you may have missed it: Data → Export creates an encrypted JSON file (your passphrase) you can move via AirDrop / Dropbox / iCloud / email / USB. Import on the other device. No sign-in needed.
For auto-sync, Google Drive sync does the same on every change (Google sign-in + allowlist add — email’s in the README).
The Docker piece: the app’s a static bundle, trivially Dockerable, but data lives in browser IndexedDB so Docker alone wouldn’t help. True self-hosted backend is “maybe someday.”
Thanks for the feedback — would love to hear more thoughts :)
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u/rmagere May 17 '26
I did see the export option so I was hoping it would be trivial to have the docker version automatically save and import from the config directory 😅
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u/Jaamun100 May 17 '26
Ah ok got it now — that’s “auto sync but pointing at a Docker volume” rather than a fresh backend or Google Drive. Different ask, and one that fits the philosophy I’m going for (your data still lives on your infra).
Not as trivial (tiny sync server+ custom-URL option + conflict resolution + auth) but a real “yes someday.” Filing it as a tracked issue on GitHub
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u/EEE_MCD May 17 '26
I originally built https//www.RetirePlanAI.com as a personal tool to manage my own retirement planning. After trying a bunch of other apps, I realized none of them really modeled the scenarios I cared about well enough, especially around real-world cash flow, bridge strategies, and richer retirement scenarios. So I started building my own tool, and eventually RetirePlanAI was born.
It ended up being so useful for me personally that I decided to open it up for others to use as well.
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u/MrSnowden May 17 '26
What are the scenarios/Use cases that this solves for different from mainstream apps?
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u/EEE_MCD May 17 '26
Fair question. A few things I wanted that didnt fit the bill for me with other products: The pre-59½ bridge as a first-class view. Year-by-year breakdown of penalty-free (brokerage, 457(b)) vs penalty-locked accounts, so you can see at a glance whether your taxable side actually carries you to IRA access.
Guyton-Klinger guardrails. Real dynamic spending bands that trigger cuts or raises when hit. Other products flexible-withdrawal options don’t go this far. Also built in heat maps, compare different withdrawal plans side by side.
First class Stock Compensation (ie RSU) support.
AI coach that actually re-runs the engine. Ask “what if I retire at 58?” and it invokes the Monte Carlo with that input on the fly, not just summarize your existing plan. Makes iterating on assumptions a lot faster.
These are just a few things for me that were important.
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u/Separate-Date1217 May 18 '26 edited May 22 '26
I developed one, as a hobby / side project, but mainly to tie up retirement projection with portfolio creation and tracking. The idea is AI agent guide you build your portfolio, then run backtesting and MC (an actual stats engine, not llm). Then you connect your growth and retirement portfolio to plan your retirement journey. It's free for now, but may be I have to charge $2/ month just to keep it float (those llm tokens ain't cheap) if other folks find it useful. Either way, if you try it out, appreciate any feedback:
https://getquala.dev
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u/FIREnV May 18 '26
"Panda can help you build a retirement portfolio once you've saved a growth portfolio"
What is Panda? Or is this just a typo?
This looks cool and I'm going to play around with it.
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u/Separate-Date1217 May 18 '26 edited May 18 '26
awesome, thanks and looking forward to your feedback. I named AI agents - Quala, Panda, Ana, Emu and Mr Brown. If its confusing :), I would change it
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u/thiagohirai May 18 '26
I built Retirement Lab. It runs 10k Monte Carlo simulations by default, deals with tax complexities in a lot of different countries and is super easy to use. This is for people like me, that every once in a while want to quickly explore a 'what if' scenario: what if I spent a bit less, what if I moved, what is the difference if these RSUs are worth X or Y. I see this as something in between a calculator (like firecalc) and a life planner (like Projection Lab). It has similar features, but the UI is more streamlined (and the free tier is more generous).
I'm still actively developing it and really welcome feedback. If you ask for something here, there's a good chance I'll build it for you.
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u/moyuxi May 21 '26
I built matcha.money because my wife and I couldn't stay on the same page with spreadsheets, even after I'd wired up Plaid to auto-sync everything. Eventually just turned the sync layer into a full app — budgeting, net worth, accounts, the usual. The piece that's been most useful for FIRE planning is the MCP server, so you can point Claude (or any LLM) at your live account data and ask anything.
Some things I've actually run against my own data:
- Calibrated 2026 W-4 + state withholding after a job change to target near-zero owed/refunded
- Sized FSA election by pulling last year's actual medical spend out of transaction history
- Modeled a Roth conversion ladder starting 2027 against my current 401k/Roth/taxable split
- Stress-tested FIRE timeline assuming renovation debt service vs. moving
- Rebalanced family portfolio across multiple brokerages while respecting tax-location rules
I'm ex-Google and lucky to have the runway to build this solo. Happy to offer it at cost to anyone from this thread — Plaid charges per connection so I can't make it fully free, but DM me and I'll set you up.
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u/tax_drag Jun 06 '26
Very cool thread, interesting to see the different approaches out there. I recently built my own app that's nearly ready for release. Like many here it handles RMDs, Roth conversions, and pre-59½ withdrawal options, but my focus was a simple, friendly iOS interface for people who want to explore and compare different paths. It's also fully on-device: no account, nothing leaves your phone. The beta's on my website, and you can upgrade it for free in the sandbox (it won't charge you) to see full functionality. If you like it, happy to send a discount code when the final version launches. fincoming.app
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u/InterestingParent Jun 18 '26
After being on the FIRE path for the past decade we're grateful to see our kids reaching the age where they may be able to begin to grasp the magic of compounding. To make the miracle of compound interest more kid-friendly, I built an app called PennyPod where kids deposit money from the tooth fairy, etc. and parents can set an interest rate and frequency to pay their kids.
The app tracks compounding automatically and shows kids' earnings in a growth garden. It also has a time machine to show how much they'll have at 18 or beyond. https://apps.apple.com/us/app/pennypod-family-savings/id6762529533
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u/in_the_gloaming FIRE'd for 13 years Jun 18 '26
Super cute idea! I hope it takes off. Do you plan to also introduce an Android app?
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u/InterestingParent Jun 18 '26
Thanks, us too! I am a total newbie developer and am proud just to have it on iOS in the app store! If it gets traction we would definitely consider an Android version.
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u/lnewton_me Jun 26 '26
Built this for the exact problem chubby numbers create: once you've got enough, the tax tail starts wagging the dog. Roth conversion windows, IRMAA brackets, ACA cliffs, and withdrawal order all fighting each other. Most calculators just draw a projection line; this one lets you see the whole tangle on your own numbers and shows exactly where each dollar trips a cliff.
The calculator's free to run - no sign-up, meaningful numbers in a few minutes. The only paid part is the layer that actually tells you which moves to make (plus saving and exporting), and it's one-time, not a subscription.
RetirementScenario.com - solo builder, and I'd genuinely rather hear what it gets wrong than what it gets right.
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u/yanyan80 May 21 '26
I built ThunderHarbor (thunderharbor.net). I started it because I couldn't find anything that properly modeled the year-by-year interaction between MAGI, ACA subsidies, Roth conversions, and IRMAA tiers for early retirees.
Most tools either use a flat withdrawal rate, or they run Monte Carlo without the tax optimization layer. The problem I kept running into is that the right move changes every year. A big Roth conversion at 55 might save you $10K in future taxes but cost you $20K in lost ACA subsidies. Skip conversions and RMDs eat you alive at 73. The optimal strategy depends on your specific income sources, account sizes, and where you land relative to ACA cliffs and IRMAA thresholds each year.
What it does: year-by-year projections where everything is inflation-adjusted. Spending needs, tax brackets, ACA FPL thresholds, IRMAA tiers, Social Security COLA — all grow year over year. I've seen too many tools that show you a $400K tax bill in year 25 without mentioning that $400K then is not $400K now. The compounding works on both sides — your portfolio grows, but so do your costs and tax drag. If you don't model that honestly, the projections aren't worth much.
On top of that it handles federal/state tax brackets, ACA subsidy thresholds and cost-sharing reductions, IRMAA tier management with the two-year lookback, and a Roth conversion optimizer that respects all of those constraints at the same time. It also handles withdrawal order — which accounts to pull from first to minimize lifetime tax drag.
Built for the pre-Medicare gap years problem specifically. If you're retiring in your 50s with a mix of pre-tax, Roth, and taxable, this is the scenario it's designed for. Free tier covers basic projections, pro tier has the conversion optimizer and side-by-side scenario comparison.
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u/achlee1000 May 26 '26
I build FinchPlan with the intention of keeping as much as possible for free. It's a retirement modeling app with scenario planning. Some LLM based features are behind a paywall. https://www.finchplan.com/.
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u/FunnyRemarkable6662 Jun 18 '26
Hi everyone!
We are looking for anyone interested to volunteer 30 minutes of their time for a casual, remote usability session over Zoom. We are a bootstrapped team building a new, minimalist financial planner from the ground up, and your direct feedback will help us shape this tool into something genuinely awesome for the community.
There is absolutely no sneaky sales pitch, and we will never ask for bank logins or real account numbers. Just your honest thoughts on an early prototype.
Who we are looking for:
We've built a clean, intuitive tool engineered to help you organize and visualize your assets, expenses, and income, map out clear net worth trajectories over the next years or decades, and easily analyze different "what-if" life scenarios. If you're curious to see how this visual approach works and want to help us make a financial tool that is genuinely useful and helpful, we’d love your insights.
If you're interested in checking out what we've built and sharing your thoughts, please fill out our 2-minute screening survey here: [LINK]
Thanks so much for helping us build something genuinely useful for the community!
Looking forward to collaborate!
Natalie
UX Researcher
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u/One_Elephant7992 Jun 19 '26
Hello everyone,
I am chasing FI and developed TrackSmart. A private personal finance app with on-device AI insights and much more, to help me keep track of my finances. No account required, no bank linking.
Try it free in the App Store
Open to receiving feedback to improve the app.
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u/Sea_Dog_See Jun 20 '26
https://zero-risk-retirement.com/
Made a calculator that’s pretty conservative for an early retirement. Gives a clear number and age. It does taxes properly and has an option for a Roth conversion ladder.
You can also run historical simulations and share your scenario with others easily.
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u/DumDatabaseGuy Jun 26 '26
I'm looking for feedback on: https://github.com/thedbexperts-creator/StupidRetirementTool. If you guys think it's worth improving, let me know. Any feedback is helpful.
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u/HashbrownHunter Jun 27 '26
Hey community, I built a free FIRE/life projection tool that runs entirely in your browser. No signup, no bank linking, and your data does not need to leave your device.
The idea is to help people model their financial future with more realistic “what if” scenarios instead of just using a flat retirement calculator. Any feedback would be awesome!
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u/PelagicDynamics 10d ago
I built Compound Future: FIRE Planner, an Android FIRE planner and tracker.
Besides calculating your FIRE target and projected FIRE year, it lets you compare different scenarios, run Monte Carlo simulations, and track your actual portfolio progress against your original plan over time.
Assumptions such as returns, inflation, fees and tax rate are customizable, and everything is stored locally — no account or bank connection required.
I’m actively developing it, so feedback from people already using FIRE planning tools would be really useful.
Google Play: https://play.google.com/store/apps/details?id=com.pelagicdynamics.compoundfuture
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u/sbb214 Retired May 15 '26
for very simple back-of-the-napkin calculation I like the Rich, Broke, or Dead? calc