Wondering
"Can I afford to...?"

  • Retire early at 55?
  • Have another child?
  • Take that dream job with lower pay?
  • Buy a rental property?
  • Start a business?

Life's biggest financial questions don't have simple answers. Spreadsheets are tedious. Financial advisors are expensive. Online calculators are too basic.

You need to see how today's decisions shape your future — clearly, accurately, and without the complexity.

FIRE seekers Pre-retirees Life planners

FinP4l Shows You

Professional-grade financial modeling, wrapped in a simple interface.

1

Describe in Plain English

"I'm 35, make $95k, have $120k saved, want to retire by 55"

2

Model Any Scenario

Buy a house? Start a business? See 30-year impact instantly

3

Get Your Answer

See exactly when you reach financial independence

🔒 100% Private 🌍 Completely Free ⚡ No Signup

Built by people who've navigated these same financial decisions. Your feedback shapes FinP4l's future.

Built For Your Stage of Life

🔥 Pursuing FIRE?

Calculate your FI number, model coast FIRE vs lean FIRE vs fat FIRE, optimize Roth conversion ladders.

  • FIRE number calculator
  • Roth conversion ladder planning
  • Geographic arbitrage modeling

🌴 Approaching Retirement?

Model Social Security timing, pension integration, Medicare costs, and RMDs.

  • Social Security optimization
  • Pension + 401k coordination
  • Safe withdrawal rate analysis

🎯 Planning Life Decisions?

Career changes, starting a family, buying property — see how decisions ripple through your future.

  • Career change impact
  • Family planning costs
  • Real estate scenarios

40+ Life Scenarios You Can Model

Career & Income

  • • Job loss / career gap
  • • Starting a business
  • • Going part-time
  • • Sabbatical planning

Family & Life

  • • Having children
  • • College funding (529)
  • • Supporting aging parents
  • • Inheritance planning

Property & Assets

  • • Buying a home
  • • Investment property
  • • Downsizing in retirement
  • • Relocating (lower COL)

Market & Strategy

  • • Market crash impact
  • • Roth conversion ladder
  • • Early Social Security
  • • Annuity vs investments

Frequently Asked Questions

Is FinP4l really free? What's the catch?

Yes, completely free. FinP4l is a public benefit project — no ads, no premium tiers, no selling data.

Where is my data stored?

All data stays in your browser's local storage. It never touches our servers.

Can I calculate my FIRE number?

Yes! FinP4l calculates your FI number based on expenses and shows when you'll reach it.