Know your safe retirement age
Project income, taxes, and net worth year by year, then pressure-test the plan with a Monte Carlo simulation that shows your odds of not running out — across baseline, optimistic, and pessimistic markets.
Local-first · Tax-aware · Yours
The financial plan that keeps itself honest.
Planomy shows you where you actually stand: build a plan, log your actuals, and watch your projections and milestone dates recalibrate — automatically. Your numbers stay in your browser.
Local-first, no account
Open it and start planning. Nothing to sign up for.
Your data never leaves your device
Plans live in your browser — not on our servers.
Encrypted sync only if you opt in
Multi-device is a choice — encrypted before it uploads.
How it works
A plan that responds to real life.
Most tools either track the past or project the future. Planomy connects the two, so the numbers you look at are always current.
-
1
Build your plan from a template
Start with a seeded 2026 plan — income, expenses, taxes, investments — then tune the assumptions to match your life.
-
2
Log or import your actuals
Record real transactions by hand or import a CSV bank statement. Your budget categories fill in as the year unfolds.
-
3
Watch your projection recalibrate
Every actual feeds the model. Net worth, savings rate, and milestone dates shift to reflect where you actually stand.
Features
Answers to the questions that actually keep you up.
Serious projection tooling with the discipline of a real budget — built to turn assumptions into decisions.
Catch drift before it derails the year
Set planned monthly categories, then import a CSV or OFX bank statement to fill in your actuals. Plain variance reporting shows exactly where you're drifting — while there's still time to adjust.
See the tax cost of every withdrawal
Seeded 2026 federal and state brackets power tax-aware withdrawal sequencing and Roth conversion planning — so you can spend down accounts in the order that keeps more.
Get real dates for the goals that matter
Emergency fund, a home down payment, financial independence — define each target and watch its projected date move as your actuals come in.
Keep your finances on your device
Your plan lives in your browser's IndexedDB — no account, no server. Full JSON export means your data is always portable and always yours.
Sync devices without giving up privacy
Need your plan on a laptop and a phone? Opt into end-to-end encrypted sync — payloads are encrypted in your browser before they ever leave it.
Free calculators
Get a quick answer in seconds — no signup.
Focused, free tools for the big retirement questions. Run one now, then bring the numbers into your full plan.
What's my FIRE number?
Find the nest egg that makes work optional — and when you'll hit it.
Open calculatorHow long will my savings last?
Stress-test a withdrawal rate to see when the money could run out.
Open calculatorHow will my money compound?
See how contributions and returns snowball over the decades.
Open calculatorWhen will my mortgage be paid off?
See how extra payments shorten your loan and cut total interest.
Open calculatorWhat will I owe in capital gains tax?
Estimate short- and long-term tax before you sell an investment.
Open calculatorShould I rent or buy?
Compare the true long-run cost of renting versus owning a home.
Open calculatorHow much should I put in my 401(k)?
Dial in a contribution that captures the full employer match.
Open calculatorWhen will I be debt-free?
Compare snowball and avalanche payoff to find your fastest route out.
Open calculator
Guides
Understand the strategy before you commit to it.
Plain-English, US-focused explainers on the decisions behind a good retirement plan — free to read, no sign-up.
What is a safe withdrawal rate?
Where the 4% rule came from — and why "safe" really lives between 3.5% and 4.5%.
Read the guideThe Roth conversion ladder, explained
Move money to Roth a bracket at a time, and why the gap years are the golden window.
Read the guideWhich accounts to draw down first
The taxable → traditional → Roth order — and the real reasons to break it.
Read the guide
Privacy by default
Your data stays on your device — unless you opt into sync.
Planomy is local-first. There's no account to create and nothing uploaded by default. If you later want your plan on more than one device, encrypted sync is a choice you make — never the starting point.
- Plans are stored in your browser's IndexedDB, not our servers.
- Optional sync encrypts payloads in-browser before upload.
- Full JSON export and import — your data is portable, always.
Pricing
Start free. Upgrade only if you want the cloud.
The full planner is free and local — no signup, no card. Plus adds encrypted sync, sharing, and monthly nudges for $6/month.
Available now
Free
$0
forever, no account
Everything you need to plan, projected right in your browser.
- Projections, charts & scenarios
- Plan-vs-actual budgeting & import
- Every free calculator
- Goals, milestones & JSON export
Plus
Plus
$6
/ month · $60/yr
Everything in Free, plus cloud convenience for when you're ready.
- Encrypted cloud sync across devices
- Share a plan with a partner or advisor
- Monthly progress email nudges
- Priority support · launch pricing
See the full breakdown on the pricing page.
FAQ
Questions, answered.
The essentials on privacy, pricing, and getting your numbers in.
Is my financial data private?
Yes. Planomy is local-first: your plan is stored in your
browser's IndexedDB, not on our servers. There's no account to
create and nothing is uploaded by default. If you later opt into
cloud sync, payloads are encrypted in your browser before they
ever leave your device.
How much does Planomy cost?
The full planner is free forever — no account and no credit card.
Planomy Plus adds encrypted cloud sync, plan sharing, and
monthly progress nudges for $6/month or $60/year (introductory
launch pricing), but the core planner will always be free. See the
pricing page
for the full comparison.
Can I import my bank transactions?
Yes. Log transactions by hand or import a CSV or OFX bank
statement. Imported transactions fill in your budget categories
so plan-vs-actual variance updates automatically. You can also
export and re-import your entire plan as JSON any time.
Can I use Planomy on more than one device?
By default your plan lives on a single device, and you can move it
anytime with JSON export and import. Optional end-to-end encrypted
sync — data is encrypted in your browser before upload — keeps the
same plan on multiple devices without exposing your numbers to
anyone, including us.
Do I need to connect my bank accounts?
No. Planomy never asks for bank credentials and doesn't use
account-linking aggregators. You stay in control by importing
statement files or entering figures yourself.
Build a plan that tells you the truth.
Free, private, and running in your browser in seconds.
Open the planner