MONEYFLOWPlan your money. Without giving up living.
50% COMMITMENTS  ///  30% YOUR LIFE — NO GUILT  ///  20% YOUR FUTURE — HALF INVESTED, HALF SAVED  ///  YOU DON'T HAVE TO CHOOSE BETWEEN LIVING TODAY AND HAVING MONEY TOMORROW  ///  TIME IN THE MARKET BEATS TIMING THE MARKET  ///  START NOW. ENJOY NOW.  /// 
Step 1 of 4
Expenses
Start with what comes in and what's already committed each month.
Monthly net income
Salary
€
Monthly fixed expenses
Rent / Mortgage
€
Utilities
€
Transport
€
Food
€
School
€
Claude
€
⚠ YOUR FIXED EXPENSES EXCEED THE RECOMMENDED 50% — REVIEW YOUR BUDGET
Monthly income
€0
Monthly net
Committed expenses
€0
0% of total
Yours to live with
€0
After fixed expenses
How it breaks down
— ENTER YOUR DATA
50%
30%
20%
Commitments (50%)
€0
Already spoken for before the month starts
Rent Bills Transport Food Insurance School
Your life (30%)
€0
No justification needed.
Dinners Travel Concerts Clothes Spa Hobbies Gifts
Your future (20%)
€0
Half invested. Half saved for your next goal.
Index funds Emergency fund Holiday Car Down payment
Inspired by Ramit Sethi's Conscious Spending Plan
You don't have to choose between living today and having money tomorrow.
Step 2 of 4
Investments
Pick a fund and simulate how your savings grow over time.
FUND
Fund
—
What it is
—
Historical CAGR —
Best year —
Worst year —
Monthly investment
€ / month
Years investing
1 YEAR 20 40 YEARS
Annual return (adjustable)
1% 10% 20%
Portfolio projection
—
Total invested
—
Final value
—
Gains
—
Multiplier
—
⚠ Educational simulation. Not financial advice. Past returns do not guarantee future results.
Estimated value in 20 years
—
Step 3 of 4
My Retirement
You decide when and how much. We tell you if your numbers get you there.
Your current age
Years old
I want to retire at
Years old
Monthly budget in retirement
€ / month
Verdict
Enter your details above
—
Years to retire
—
—
Your freedom number
—
Capital needed (4% rule)
On track to reach
—
With current savings rate
Monthly gap
—
—
What needs to change
Save this per month
—
To hit your number
You currently save
—
Per month
Alternative: retire at
—
With current savings rate
⚠ Based on a 7% annual investment return and 4% withdrawal rule. Indicative only. Does not account for inflation or pension income.
Curious what changes if you move abroad?
Same numbers. Different country. Different answer.
Optional · Step 4 of 4
Parallel Reality
Your numbers, different country. See where your savings take you.
Monthly savings used
—
Return rate
—
Your current age
—
From your steps 1–3 ↑
Numbers are estimates. Real life costs vary. Use this as a starting point, not a guarantee.
That's your full financial picture.
Change your numbers anytime. The plan updates instantly.