01 / TODAY
ProjectionPlan: Offline Personal Finance Simulation Engine for Android. See your money before you spend it.
A safe-to-spend number after bills, debt and upcoming costs already have their place.
$42.50/ day
TODAYA safe-to-spend number after bills, debt and upcoming costs already have their place.
NO BANK CONNECTION. NO CLOUD CALCULATION.
Inside the engine
Five core financial engines. Zero cloud exposure.
Experience how ProjectionPlan runs your entire personal financial universe on-device with deterministic mathematics, continuous safe-to-spend discipline, and 40-year FIRE simulations.
01 / 05 — Safe-to-Spend
9:41
ProjectionPlan
100% on-device SQLite • Port 8888 PC Companion
01 — DAILY CASH DISCIPLINE01 / 05
Daily Safe-to-Spend & Real-Time Net Worth
Traditional budget trackers only look backward at money you've already spent. ProjectionPlan calculates an exact dynamic daily spending limit that recalibrates after every coffee or dinner, keeping you safely on pace without manual spreadsheets.
- Dynamic daily allowance divides remaining discretionary money by days left in your cycle
- Visual day-versus-spend needle indicator guarantees you never run short before month-end
- Consolidated net worth card tracks solvency ratio, emergency reserves, and liabilities
Key Application Metric
$103.45 / day
Guaranteed daily allowance after savings and bills
Air-Gapped Local Math
02 — CADENCE NORMALIZATION02 / 05
All 7 Pay Frequencies, Unified into True Monthly Surplus
Bi-weekly paychecks, quarterly auto insurance, and annual subscriptions create deceptive feast-or-famine swings. Our engine standardizes all 7 payment cadences into an exact monthly cash flow stack so you always know your true investable bottom line.
- Supports Weekly, Bi-Weekly (26x), Semi-Monthly, Monthly, Quarterly, Semi-Annual, and Annual schedules
- Deducts mandatory savings first to institutionalize a 'Pay Yourself First' wealth routine
- Eliminates timing gaps and phantom surpluses before cash is spent
Key Application Metric
+$3,300.00 / mo
True investable monthly surplus with 28% savings rate
7 Normalized Cadences
03 — DETERMINISTIC WEALTH MODELING03 / 05
40-Year FIRE Projections with the Fisher Equation
Replace fragile Excel sheets and recurring cloud subscriptions. Model 480 monthly compound increments in sub-milliseconds using true inflation adjustment (r_real = (r_nominal - i) / (1 + i)) to pinpoint your exact Coast, Lean, and Full FIRE crossover dates.
- Dual-curve SVG visualizer displays nominal accumulation alongside true inflation-adjusted buying power
- Tactile assumption sliders let you test savings rate, real returns, and Safe Withdrawal Rates on the fly
- Automated decumulation check verifies portfolio endurance beyond age 90 under target spending
Key Application Metric
Age 49 (Full FI)
Exact mathematical milestone crossover to $2.4M nest egg
Fisher Equation Math
04 — LIABILITY AMORTIZATION04 / 05
Sinking Funds & Circular Progress Gauges
Irregular annual liabilities like vehicle maintenance, property taxes, holidays, and insurance shouldn't drain your emergency fund. Sinking funds break lumpy expenses down into automated monthly bites with intuitive circular gauges.
- Individual goal cards with high-precision circular progress rings track funding milestones
- One-tap 'Fund Now' deposits amortized monthly shares directly into targeted reserves
- Dynamic recalculation adjusts monthly demand if you deposit ahead or fall behind schedule
Key Application Metric
$3,400.00 Accrued
Zero emergency depletion across 3 active amortized goals
Automated Amortization
05 — DEBT ELIMINATION ENGINE05 / 05
Debt Avalanche vs. Snowball Optimization
Eliminate debt with tactical precision. Run deterministic simulations comparing the Debt Avalanche (highest APR first for minimum interest) against the Debt Snowball (smallest balance first for psychological wins) to claim total debt freedom.
- Side-by-side comparison card computes exact dollar interest and calendar months saved
- Dynamic debt budget slider automatically funnels every surplus dollar into your #1 priority balance
- Ranked payment queue provides an unambiguous month-by-month repayment roadmap
Key Application Metric
$1,240 & 8 Mos Saved
Direct interest and time savings under optimal Avalanche payoff
Debt-Free: Oct 2027
01 — DAILY CASH DISCIPLINE01 / 05
Daily Safe-to-Spend & Real-Time Net Worth
Traditional budget trackers only look backward at money you've already spent. ProjectionPlan calculates an exact dynamic daily spending limit that recalibrates after every coffee or dinner, keeping you safely on pace without manual spreadsheets.
- Dynamic daily allowance divides remaining discretionary money by days left in your cycle
- Visual day-versus-spend needle indicator guarantees you never run short before month-end
- Consolidated net worth card tracks solvency ratio, emergency reserves, and liabilities
Key Application Metric
$103.45 / day
Guaranteed daily allowance after savings and bills
Air-Gapped Local Math
9:41
ProjectionPlan
02 — CADENCE NORMALIZATION02 / 05
All 7 Pay Frequencies, Unified into True Monthly Surplus
Bi-weekly paychecks, quarterly auto insurance, and annual subscriptions create deceptive feast-or-famine swings. Our engine standardizes all 7 payment cadences into an exact monthly cash flow stack so you always know your true investable bottom line.
- Supports Weekly, Bi-Weekly (26x), Semi-Monthly, Monthly, Quarterly, Semi-Annual, and Annual schedules
- Deducts mandatory savings first to institutionalize a 'Pay Yourself First' wealth routine
- Eliminates timing gaps and phantom surpluses before cash is spent
Key Application Metric
+$3,300.00 / mo
True investable monthly surplus with 28% savings rate
7 Normalized Cadences
9:41
ProjectionPlan
03 — DETERMINISTIC WEALTH MODELING03 / 05
40-Year FIRE Projections with the Fisher Equation
Replace fragile Excel sheets and recurring cloud subscriptions. Model 480 monthly compound increments in sub-milliseconds using true inflation adjustment (r_real = (r_nominal - i) / (1 + i)) to pinpoint your exact Coast, Lean, and Full FIRE crossover dates.
- Dual-curve SVG visualizer displays nominal accumulation alongside true inflation-adjusted buying power
- Tactile assumption sliders let you test savings rate, real returns, and Safe Withdrawal Rates on the fly
- Automated decumulation check verifies portfolio endurance beyond age 90 under target spending
Key Application Metric
Age 49 (Full FI)
Exact mathematical milestone crossover to $2.4M nest egg
Fisher Equation Math
9:41
ProjectionPlan
04 — LIABILITY AMORTIZATION04 / 05
Sinking Funds & Circular Progress Gauges
Irregular annual liabilities like vehicle maintenance, property taxes, holidays, and insurance shouldn't drain your emergency fund. Sinking funds break lumpy expenses down into automated monthly bites with intuitive circular gauges.
- Individual goal cards with high-precision circular progress rings track funding milestones
- One-tap 'Fund Now' deposits amortized monthly shares directly into targeted reserves
- Dynamic recalculation adjusts monthly demand if you deposit ahead or fall behind schedule
Key Application Metric
$3,400.00 Accrued
Zero emergency depletion across 3 active amortized goals
Automated Amortization
9:41
ProjectionPlan
05 — DEBT ELIMINATION ENGINE05 / 05
Debt Avalanche vs. Snowball Optimization
Eliminate debt with tactical precision. Run deterministic simulations comparing the Debt Avalanche (highest APR first for minimum interest) against the Debt Snowball (smallest balance first for psychological wins) to claim total debt freedom.
- Side-by-side comparison card computes exact dollar interest and calendar months saved
- Dynamic debt budget slider automatically funnels every surplus dollar into your #1 priority balance
- Ranked payment queue provides an unambiguous month-by-month repayment roadmap
Key Application Metric
$1,240 & 8 Mos Saved
Direct interest and time savings under optimal Avalanche payoff
Debt-Free: Oct 2027
9:41
ProjectionPlan
The next evolution of money management
Tracking past spending is only half the battle
Why privacy-conscious Android users are upgrading from basic expense loggers to forward-looking simulation engines.
The Traditional Way
Standard Expense LoggersThe Rear-View Mirror Approach
Traditional expense trackers (like Money Manager) act like a digital notebook. They are great for logging what you already spent, but leave you entirely in the dark about your financial trajectory decades from now.
- Backward-looking log only: Manual ledger entries with zero predictive modeling or future wealth projection.
- No debt acceleration: Lacks deterministic mathematical optimization (Debt Avalanche vs. Snowball engine).
- Static category budgets: No dynamic daily Safe-to-Spend pacing or amortized annual sinking funds.
- Ad-supported or cloud add-ons: Free tiers display distracting ads; paid upgrades add no predictive math.
Good for: Logging daily receipts in a basic manual ledger.
The ProjectionPlan Way
NEXT-GEN SIMULATIONForward-Looking Simulation Sandbox
ProjectionPlan preserves the exact 100% offline, zero-bank-linking privacy users love on Android — but powers it with an institutional mathematical engine that charts your financial future decades ahead.
- Predictive FIRE Architecture: Continuous Fisher Equation models 480 months of compound growth so you know your exact freedom date.
- Mathematical Debt Engine: Direct Avalanche vs. Snowball comparative simulations down to the exact dollar and month.
- Automated Cash Flow Smoothing: Amortizes irregular sinking funds and calculates your daily Safe-to-Spend limit in real time.
- 100% Air-Gapped & Ad-Free: Local SQLite with hardware encryption on Android. 7-day unrestricted trial, Free Forever baseline, and lifetime ownership.
The logical upgrade for offline financeCompare Pricing
Core capabilities · 28 features
Engineered for complete financial mastery
Fast, deterministic calculation engines running 100% locally on your device. Sub-16ms, 120fps, zero cloud.
Desktop FIRE Calculator Fisher Real Rate (Exact) 480-Mo Skia Canvas Sandbox 7-Cadence Normalizer Avalanche vs Snowball Sinking Fund Amortizer Safe-to-Spend Daily Pacing 7-Day Free Pro Trial Local Wi-Fi PC Bridge (Port 8888 PIN) 1-Tap Mobile Auto-Capture Desktop CSV Drag-and-Drop React Native • Skia 60fps Air-Gapped SQLite WAL Zero Cloud Telemetry Biometric App Lock
Wealth Simulation • Fisher Equation
Interactive FIRE Timeline Simulator
r_real = (r_nom − i) / (1+i) • r_m = (1+r_real)^0.08333333333333333−1 • FV = PV(1+r_m)^n + PMT·[((1+r_m)^n−1)/r_m]
On Track for Full FIRE @ Age 49
FIRE Projection
Liquid
Real
$2.4M Target
Age 49 Milestone
Net Worth:$2,486,882
Safe W/D:$87,041/yr
Monthly Savings$3,500
$0$10k
Real Return6.5%
1%12%
Safe Withdrawal3.5%
2.5%5.0%
Debt Elimination • 600-Mo Engine$6,200$14,500$8,900
Avalanche vs. Snowball Engine
Optimize your mathematical path to zero debt.
Avalanche saves $6,715 in interest & 11 months vs. Snowball
Debt Payoff Engine
DEBT-FREE DATE
OCTOBER 2027Chase Sapphire Card
22.9% APR
Auto Loan
6.4% APR
Federal Student Loan
4.8% APR
Cash Flow Smoothing
Amortized Sinking Funds
Never get blindsided by annual insurance, travel, or irregular expenses.
Upcoming Annual Expenses$ M_i=(T−C)/N
Car Insurance$800 / $1200 (67%)
Holiday Travel$1450 / $2000 (73%)
Tech Replacement$950 / $1500 (63%)
Multi-Horizon Simulator60 FPS LOCAL
Daily Safe-to-Spend
Multi-horizon pacing instrument anchored to cash flow and debt amortization.
TODAY (MO 0)
$1.77/hr
SAFE ALLOWANCE HORIZON
$42.50/ day
Base Allowance ActiveInitializing Model...
Scrub horizontally to simulate(I_net − E_fixed)/days
Zero Cloud • Mobile & Desktop
1-Tap Auto-Capture & CSV Drop
1-tap SMS/UPI notification parsing on phone; drop CSV files directly into PC Companion.
Map Your Columnschase_september.csv • 156 rows • σ²<0.1
DateTrans Date
DescriptionDescription
AmountAmount
CategoryCategory
09/01/25STARBUCKS COFFEE-$5.45
09/03/25TARGET STORES-$89.12
09/05/25SALARY DEPOSIT+$2,950.00
09/07/25UBER TRIP-$24.20
100% Offline. Your Data Never Leaves Your Device.
Zero cloud telemetry, no backend databases holding your balances, and zero third-party bank logins. Air-gapped SQLite • FBE encryption • RAM purge.
Zero Cloud Servers
Local SQLite Storage
No Account Required
User journey · 3 steps · air-gapped
From raw CSV to full financial independence
Three steps to take total control of your cash flow without giving away your passwords.
Step 01
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.
Parsed 100% locally in-browser via WebAssembly / JS worker • σ²<0.1 delimiter sniff
Map Your Columns
chase_september.csv — 156 rows detected
DATEDESCRIPTIONAMOUNT
09/01/25STARBUCKS COFFEE-$5.45
09/03/25TARGET STORES-$89.12
09/05/25SALARY DEPOSIT+$2,950.00
09/07/25UBER TRIP-$24.20
Scenario Sandbox • 480 Mo TicksFIRE Target: $2.4M
Deterministic Scenario Modeling (Fisher Engine)Deterministic
Age 49to $2.4M
Coast FIRE
Age 32
Lean FIRE
Age 46
Full FIRE
Age 49
Step 02
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.
Instant sub-millisecond recalculation on every slider adjustment — deterministic, no Monte drift
Step 03
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.
Zero guilt discretionary spending while meeting every financial milestone • Pacing = %Days / %Budget
Guaranteed Daily Surplus
$42.50
Safe to spend today • (I_net − E_fixed − R_total − D_min)/daysSinking funds funded: $425/mo
Debt accelerator funded: $544/mo
Velocity needle: Healthy ≥1.0 • Tight 0.85–1.0 • Over <0.85
Debt accelerator funded: $544/mo
Velocity needle: Healthy ≥1.0 • Tight 0.85–1.0 • Over <0.85
Pre-launch access · 7-day pro trial · zero cloud
What you get on day one
Every download starts with an unrestricted 7-day Pro trial. Keep our Free Forever baseline, or unlock early-bird discounts when our Yearly, Monthly, and Lifetime tiers go live on Google Play.
Included Tier 100% Offline
Free Forever
Essential offline personal finance modeling on your phone.
$0
Free forever baseline • No card required
Single 40-Year FIRE Projection (Fisher Math)
Daily Safe-to-Spend Dynamic Velocity Needle
Debt Avalanche vs Snowball Optimizer
Sinking Fund Amortization & T-3 Alerts
100% Air-Gapped Local SQLite Storage
At Launch
Pro Access 7-Day Free Trial
Unrestricted Pro Trial
Full power for mobile & air-gapped desktop simulation.
7 Days Free
Every download unlocks full Pro features
Desktop PC Manager & Local Wi-Fi Bridge (Port 8888 PIN)
Multi-Scenario "What-If" Plan Cloning
1-Tap Mobile Clipboard Auto-Capture (SMS/UPI)
Desktop Drag-and-Drop Bank CSV Ingestion
Biometric App Lock & Privacy Shield
Android Glance Dynamic Needle Home Widgets
Launch DayEarly-Bird Lock
Paid Plans at Launch
Flexible options: Yearly Plan, Monthly, or Lifetime License.
Revealed at Launch
Waitlist members get guaranteed launch discounts
Yearly Plan (Best Value with 7-Day Free Trial)
Monthly Pro Option (Flexible month-to-month)
Lifetime License (Pay once, own forever)
Zero forced cloud lock-in or surprise recurring fees
Priority access in Google Play early release
Head-to-Head Architecture Snapshot
How We Stand Against Leading Apps
| Key Capability | ProjectionPlanPRO | Money Manager | ProjectionLab | Excel / Sheets | YNAB |
|---|---|---|---|---|---|
| Debt Payoff Engine (Avalanche vs Snowball)Mathematical APR-sorted vs behavioral balance-sorted payoff optimizer | Dual Strategy Solver | Manual Balance Notes | Basic Debt Table | Manual Amortization Sheets | No |
| 40-Year Multi-Curve Wealth SandboxHardware-accelerated Skia 60fps interactive 480-month forecast | 480-Mo Skia Canvas <1ms | No | Web Canvas Simulation | Fragile Multi-Tab Model | No |
| Daily Safe-to-Spend Dynamic Velocity NeedleGuards budget pacing in real time without rigid bucket friction | Real-Time Daily Needle | No | No | No | Envelope Buckets |
| Desktop Web Companion & Local PC ManagerPhysical keyboard entry & big-screen simulation over air-gapped local Wi-Fi | Pro Exclusive (Local Wi-Fi Bridge: Port 8888 PIN) | Wi-Fi Only (Screen Awake) | Cloud Web App ($108/yr) | Desktop Native App | Cloud Web App ($109/yr) |
| 100% Air-Gapped Zero-Cloud ArchitectureYour ledger never touches external servers or advertising trackers | 100% Local SQLite WAL | Local + Ad Telemetry | Cloud / Browser LocalStorage | Local File / OneDrive Cloud | Cloud Database Only |
7-Day Free Trial at Launch EARLY-BIRD DISCOUNT
Waitlist members receive priority Google Play access and lifetime launch discounts.
Knowledge base & FAQs
Frequently asked questions
Everything you need to know about our air-gapped privacy architecture, deterministic mathematics, and lifetime ownership.
ProjectionPlan models compound growth using the continuous Fisher Equation: r_real = (r_nominal - i_inflation) / (1 + i_inflation) to calculate true inflation-adjusted returns across up to 480 monthly increments (40 years). Rather than relying on static rules of thumb or black-box Monte Carlo simulations, ProjectionPlan models multi-cadence recurring cash flows, sinking fund liabilities, and debt cascades deterministically on your local device.
Early access waitlist · Priority launch discounts
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.
No spam · One-time lifetime Zero cloud Launching Fall 2026
We will only send your launch-day discount link. Unsubscribe anytime. PPP pricing available.