# About ProjectionPlan - Mission, Story & Architectural Principles

Canonical URL: https://projectionplan.in/about

> ProjectionPlan is built on a single, uncompromising belief: your personal financial modeling belongs entirely to you, runs on your own device, and should never require renting your own data through annual subscriptions.

## Why We Built ProjectionPlan
Most modern personal finance tools share three fundamental architectural flaws:
1. **Fragile Bank Aggregators & Privacy Risk**: Mainstream apps rely on third-party aggregators (Plaid, MX, Yodlee) that repeatedly disconnect, trigger multi-factor authentication loops, duplicate records, and expose sensitive credentials to centralized cloud databases.
2. **Rear-View Accounting vs. Predictive Simulation**: Incumbent tools record and categorize past spending, but fail at predictive modeling. ProjectionPlan treats personal finance as a forward-looking simulation sandbox with real-time parametric controls.
3. **Severe Subscription Fatigue**: Leading apps charge $99 to $120+ every year for utility software. ProjectionPlan offers a permanent, one-time lifetime license.

## The Four Core Architectural Pillars
1. **100% Offline-First (Air-Gapped Architecture)**:
   - The application runs entirely within the device's isolated OS sandbox.
   - All financial history, accounts, budgets, and projections are stored in a local SQLite database protected by Android File-Based Encryption (FBE) and iOS Data Protection.
   - Zero financial records, ledger transactions, net worth figures, or debt amounts are ever transmitted to any external server.
2. **Deterministic Mathematical Integrity**:
   - Wealth projections use the continuous Fisher Equation to calculate true inflation-adjusted compound returns over 30 to 40 year horizons.
   - Debt cascade payoff dates and interest dollar comparisons between Avalanche and Snowball strategies are computed deterministically down to the exact penny.
3. **Anti-Subscription Pricing**:
   - Single non-consumable one-time lifetime license ($19.99 USD / ₹999 INR) with free lifetime updates.
   - Launch early-bird pricing of $14.99 USD for waitlist subscribers.
4. **Privacy as an Inviolable Default**:
   - Operates without requiring account creation, email login, phone number verification, or OAuth tokens for core simulation features.
   - Bank statement ingestion occurs completely in-memory via an RFC 4180 streaming parser with zero temporary cloud artifacts.

## Corporate Identity & Physical Address
- **Organization**: ProjectionPlan
- **Legal Entity**: ProjectionPlan
- **Founder & Lead Architect**: Sawan Bhardwaj
- **Operational Headquarters**: Outer Ring Road, Bellandur, Bengaluru, Karnataka 560103, India
- **Primary Domain**: https://projectionplan.in
- **Inquiries & Press**: contact@projectionplan.in
- **Customer Support**: support@projectionplan.in

## Related Resources
- [Home Page](https://projectionplan.in/)
- [Contact Information](https://projectionplan.in/contact)
- [Privacy Policy](https://projectionplan.in/privacy)
- [Agent Guide (llms.txt)](https://projectionplan.in/llms.txt)
- [XML Sitemap](https://projectionplan.in/sitemap.xml)