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 the Math

Deterministic scenario modeling — not Monte Carlo guesswork. Model specific life events to build real contingency plans.

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

🎯 Actionable Conviction 🚫☁️ No Cloud Upload ⚡ Instant Results 🌍 Completely Free

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

Why scenario modeling instead of Monte Carlo simulations?

Monte Carlo gives you probability ranges ("70% chance of success"). For real life planning, you need to model specific high-impact events — "What if there's a 50% crash in Year 3?" or "What if inflation spikes to 8%?" — and build concrete contingency plans. Our deterministic engine gives you actionable conviction, not probability fog.

Where is my data stored?

100% data sovereignty — everything stays in your browser's local storage. Your financial data never touches our servers. You own and control your data completely.

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.

Can I calculate my FIRE number?

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