Your Money.
Your Future.
Simulated.
The ultimate offline-first financial sandbox for Android & iOS. Project your FIRE date, optimize debt payoff, and visualize your wealth-building engine—while keeping your data solely on your device.
Guaranteed surplus after sinking funds & debt payoff goals.
Engineered for Complete Financial Mastery
Fast, deterministic calculation engines running 100% locally on your Android or iOS device.
Interactive FIRE Timeline Simulator
Avalanche vs. Snowball Engine
Optimize your mathematical path to zero debt.
Amortized Sinking Funds
Never get blindsided by annual insurance, travel, or irregular expenses.
Real-Time Safe-to-Spend
Total clarity on what you can spend today without touching your goals.
Re-calculated instantaneously as transactions are entered.
Standard Bank CSV Import
Drop statements from any bank with custom column mapping.
100% Offline. Your Data Never Leaves Your Device.
Zero cloud telemetry, no backend databases holding your balances, and zero third-party bank logins.
From Raw CSV to Full Financial Independence
Three simple steps to take total control of your cash flow without giving away your passwords.
Export & Drop Your Bank CSV
Download a standard .CSV statement from your bank. Our browser-side parser handles auto-detection, non-standard date formats, and fuzzy transaction patterns in seconds.
Map Your Columns
chase_september.csv — 156 rows detected
Simulate Scenarios & Stress Test
Toggle investment return rates, aggressive FIRE contributions, or career shift modes. Adjust withdrawal assumptions dynamically to visualize your exact retirement milestone ages.
Execute Your Daily Safe-to-Spend
Follow your single daily number with zero anxiety. Every purchase is tracked against your amortized sinking funds and debt payoff schedules automatically.
✓ Debt accelerator funded: $544/mo
Early Feedback From Our Beta Testers
See why users are switching from subscription budgeting apps to offline-first mathematical precision.
“Finally a financial tool that respects my privacy. The FIRE simulation completely changed how I think about early retirement.”
“The sinking fund feature solved my holiday debt panic. I actually feel in control of my cash flow without subscription fatigue.”
“Switched right after Mint shut down. ProjectionPlan is 100x faster, prettier, and zero-cloud architecture is exactly what personal finance should be.”
“The debt avalanche calculator showed I was wasting $8.4k/yr in interest. Paid off all non-mortgage debts 14 months earlier than planned.”
“One tool to own for life with no recurring drain on my bank balance. Just an elegant sandbox that makes money clear.”
“The projection precision is mathematically sound. I use it regularly to stress-test my path to Financial Independence assumptions.”
Feedback collected from our private beta program. Names shortened for privacy. ProjectionPlan is an educational simulation tool, not financial advice.
How ProjectionPlan Compares to Subscription Apps
Built from the ground up for total data ownership, zero recurring subscription drain, and deterministic financial modeling.
| Architectural Capability | ProjectionPlan | Monarch Money | YNAB | Simplifi |
|---|---|---|---|---|
| Ownership Model | Pay-Once Lifetime (Unlocks at Launch) | Monthly Subscription | Monthly Subscription | Monthly Subscription |
| Data Privacy & Storage | 100% On-Device (Zero Cloud) | Cloud Database Only | Cloud Database Only | Cloud Database Only |
| Offline Native Engine | Yes | No | No | No |
| FIRE Milestone Simulation | Deterministic Math Sandbox | Basic Graph | Not Available | Not Available |
| Sinking Funds Amortization | Automated Daily Allowance | Manual Category | Manual Target | Manual Target |
| Bank Statement Parser | 100% In-Browser Worker | Third-Party Plaid Sync | Third-Party Plaid Sync | Third-Party Plaid Sync |
| Zero Account / No Password | Yes | No | No | No |
Frequently Asked Questions
Everything you need to know about our air-gapped privacy architecture, deterministic mathematics, and lifetime ownership.
Traditional budgeting apps require continuous cloud connectivity, store your bank credentials through third-party aggregators (like Plaid), and charge recurring subscriptions between $99 and $120 per year to show what you spent in the past. ProjectionPlan is an offline-first financial simulation engine for Android & iOS that requires zero bank logins, runs 100% locally on your device's SQLite database, costs a one-time $19.99 for lifetime access, and uses deterministic mathematical modeling to simulate your future wealth milestones, debt-free dates, and daily safe-to-spend limits.
No. ProjectionPlan operates with a strict zero-cloud, air-gapped privacy architecture. All transaction parsing, cash flow math, and scenario projections run locally inside your device's isolated operating system sandbox (protected by Android File-Based Encryption and iOS Data Protection). No banking credentials, account numbers, balances, or personal telemetry are ever transmitted to any external server.
ProjectionPlan uses the continuous Fisher Equation: r_real = (r_nominal - i_inflation) / (1 + i_inflation) to calculate true inflation-adjusted compound returns over 30–40 year projection horizons. It models liquid capital accumulation using monthly compounded future value equations and dynamically calculates Coast FIRE, Lean FIRE, and Full FIRE milestone ages based on your user-defined Safe Withdrawal Rates (SWR) and savings targets.
The engine runs two deterministic simulations on your debt accounts. The Debt Avalanche method sorts debts in descending order of Annual Percentage Rate (APR) to eliminate high-interest balances first, mathematically minimizing total interest paid. The Debt Snowball method sorts debts in ascending order of balance for rapid psychological wins. The engine calculates the exact difference in total interest dollars and calendar months to payoff between both strategies.
Yes. You can export a standard .csv statement from any financial institution, bank, or credit union. ProjectionPlan's built-in RFC 4180 streaming parser auto-detects date formats, sniffs delimiters, maps columns, and categorizes transactions entirely on-device without uploading your files to the internet.
Be First in Line When We Launch.
Join privacy-conscious wealth builders taking back control of their financial destiny. Waitlist members get priority access and an exclusive launch-day lifetime discount.