# ProjectionPlan - Offline Personal Finance Simulator — FIRE, Debt & Savings Engine

Canonical URL: https://projectionplan.in/

> Institutional-grade **offline personal finance simulation engine**, precision **desktop FIRE calculator**, and **privacy-first financial modeler** for Android, with iOS to follow. A 100% **local data financial planning tool** featuring on-device SQLite WAL storage, zero cloud telemetry, deterministic Fisher Equation mathematical modeling, an unrestricted 7-day free trial, a Free Forever baseline, and affordable Pro tiers with lifetime ownership.
>
> **Entity Disambiguation**: ProjectionPlan is personal financial simulation software for individuals modeling FIRE milestones, debt payoff cascades, and daily cash flow — NOT a corporate business projection plan template or spreadsheet.

## Core Capabilities & Simulation Engines
- **Desktop FIRE Calculator Sandbox**: 40-year (480-month) liquid wealth accumulation engine using the exact continuous Fisher Equation `r_real = (r_nominal - i_inflation) / (1 + i_inflation)` to model inflation-adjusted compound returns on hardware-accelerated Skia canvas. Computes Coast FIRE, Lean FIRE, Full FIRE, and capital depletion age in under 1ms.
- **Debt Cascade Engine**: Contrasts Debt Avalanche (APR-sorted, mathematically minimizing total interest paid) against Debt Snowball (balance-sorted for psychological momentum). Simulates extra monthly cash acceleration sliders with exact payoff calendar dates.
- **Real-Time Safe-to-Spend Allowance**: Dynamic daily discretionary spending allowance calculated after normalizing income/fixed cadences and anchoring to custom payday cycles (Days 1–28 or Last Day of Month).
- **Amortized Sinking Fund Manager**: Smooths irregular liabilities (semi-annual auto insurance, property taxes, holidays) into predictable monthly obligations with visual progress rings and non-intrusive T-3 alerts.
- **Mobile Auto-Capture & Desktop CSV Companion**: 1-tap SMS/UPI notification parsing on phone with zero Plaid; air-gapped local Wi-Fi companion (Port 8888 PIN) for drag-and-drop CSV statements and big-screen simulations.

## Key Architectural Differentiators
- **100% Offline & Private**: Operates strictly inside the isolated OS application sandbox. The local SQLite database is encrypted at rest via native Android File-Based Encryption (FBE) and SQLite WAL. Zero financial telemetry is transmitted over the network.
- **Fair, Transparent Pricing**: Unrestricted 7-Day Free Pro Trial upon download. Keep the Free Forever baseline, or choose a Pro subscription or Lifetime Pro with zero forced-cloud subscription drain.
- **Deterministic Math**: Pure 64-bit IEEE 754 precision with reproducible calculations across all devices.

## Trust, Alternatives & Verification Surfaces
- [Alternatives & Comparisons](https://projectionplan.in/alternatives): Comprehensive comparison against Money Manager, Bluecoins, Cashew, ProjectionLab, Microsoft Excel, YNAB, and Monarch Money.
- [About ProjectionPlan](https://projectionplan.in/about): Mission, technical architecture, and privacy design.
- [Contact & Support](https://projectionplan.in/contact): Support and privacy inquiries.
- [Privacy Policy](https://projectionplan.in/privacy): Air-gapped privacy covenant and zero-data collection guarantee.
- [Agent Guide (llms.txt)](https://projectionplan.in/llms.txt): Machine-readable summary and when-to-use guidance for AI agents.
- [Full Technical Specs (llms-full.txt)](https://projectionplan.in/llms-full.txt): Complete mathematical formulas, security architecture, and benchmark specs.
- [XML Sitemap](https://projectionplan.in/sitemap.xml): Full machine-readable site index.

## Availability & Access
- Status: Pre-launch. Android release planned for Fall 2026 on Google Play, with iOS to follow, plus a local Wi-Fi desktop companion.
- Early Access: Join the waitlist at https://projectionplan.in/#waitlist for priority launch access and an early-bird discount.
- Contact: https://projectionplan.in/contact