Your complete financial picture, simplified

Everything you need to understand your money and make confident decisions, all in one place.

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Set Your Goals

Tell us what you're working toward. Paying off debt, buying a home, retiring early, or all three at once.

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Track Your Net Worth

See where you stand today and where you're headed with clear projections based on your real numbers.

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Run What-If Scenarios

What if you save $200 more per month? What if you pay off the credit card first? See the answer in seconds.

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Get AI Money Guidance

Ask Houston, your AI financial co-pilot, plain-language questions about your budget, debt, and goals.

How it works

Go from "I don't know where to start" to a clear financial plan in three steps.

Answer a quick questionnaire

Share your income, expenses, debts, and goals. Takes about five minutes. No account linking required.

Guided questions adapt to your situation.

A progress bar shows exactly what's left.

Instant validation catches anything missing.

Get your personalized plan

We turn your answers into a dashboard with your net worth projection, debt payoff timeline, and budget breakdown.

See your net worth, savings rate, and retirement readiness.

Compare optimistic, baseline, and conservative outcomes.

Get action items ranked by how much they move the needle.

Adjust, explore, and grow

Tweak any number and watch your plan update instantly. Come back as your life changes.

Run unlimited what-if scenarios on your data.

Alerts notify you when spending or savings drifts off track.

Review and share your plan whenever you need to.

See what your plan includes

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What-If Scenarios

Change your savings rate, add a side income, or pay off a loan early. See how each move changes your five-year outlook.

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Debt Payoff Timeline

See every balance, ranked by payoff impact. Know your debt-free date and which payment to increase first.

event Debt-Free Date: Dec 2028

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Budget Breakdown

Compare how you spend today versus where your money could go. Get a savings rate target matched to your goals.

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What we believe

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Clarity over complexity

A good financial plan should fit on one screen. If you need a glossary to read your own dashboard, the tool has failed, not you.

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Your data stays yours

We don't link to your bank accounts. You type in the numbers you're comfortable sharing. Everything runs on Google Cloud with encryption at rest and in transit.

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Education, not advice

We're not financial advisors and we don't pretend to be. Planit Fi is an educational tool that helps you understand your options so you can make your own decisions.

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Free means free

The core planning experience is free. We're not hiding the useful features behind a paywall or harvesting your data to sell. The product is the product.

If any of these sound familiar, you're in the right place.

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Just getting started with money You have income, maybe some debt, and zero idea what to prioritize first. Planit Fi gives you a starting point.

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Saving for something specific A house, a car, a wedding, an emergency fund. You need to know how much to save each month and how long it will take.

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Trying to get out of debt Credit cards, student loans, car payments. You want a payoff timeline and a strategy that actually makes sense for your budget.

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Curious but overwhelmed You've heard about investing, retirement accounts, and compound interest but it feels like a foreign language. Start here.

How we handle your information

We take a minimal approach to data. Here's what that looks like in practice.

check_circle No bank account linking. You enter only the numbers you choose to share.

check_circle Hosted on Google Cloud with encryption at rest and in transit.

check_circle We do not sell your personal information. Full stop.

check_circle You can request deletion of your account and data at any time.

Got a money question? Ask Houston.

Houston is your AI financial co-pilot. Ask plain-language questions about your budget, debt, or goals and get answers based on your actual plan.

How much can I afford to spend on a new car?

Based on your current budget and goals, you can comfortably afford a car payment of around $350-$450 per month. Keep your total car budget under $25,000 to stay on track with your debt payoff timeline.

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Ask Houston anything about your finances...

I want to retire early