Need a clue where to put money now for your future needs?
FarPlanner is a free private easy-to-use decades-out self-service financial planning tool.
A more-powerful alternative to spreadsheets or calculators,
FarPlanner suggests how you can allocate funds now to meet your future needs,
between all your taxable, retirement and college accounts.
Custom tailored to your near and very-far term needs and wants.
Quickly build your financial plan
Add home, auto, family member & account templates bundling typical loans and expenses for a rapid decades-out plan. Try that with a spreadsheet.
Diamonds and caviar, or trouble ahead?
FarPlanner helps you look decades into the future, spotting financial possible issues based on your plan.
Forecast decades out, In seconds
FarPlanner looks at your plan and forecasts your future account balances and cash flows in seconds. Make ‘what if’ changes and see impacts within seconds as well.
What’s In Your Future?
There are no crystal balls to divine your future. However, with FarPlanner your financial future could become more clear, summarized by an easy ‘color bar’. As you build your financial plan out in FarPlanner, and import your actual financials, your forecast gets more accurate.
Beyond Spreadsheets & Calculators
Using spreadsheets to manage your finances? Spreadsheets are fine to manage your current income and expenses, but planning more than a few months out can be cumbersome. What if you want to save for a house down payment and mortgage payments in 2 years, or 5? Or a car? Or your kids education and expenses? Adding and changing these aspects in spreadsheets is laborious. FarPlanner makes it easy to manage these aspects and more, then quickly see their impact on your future net worth and cash flow (in tabular form if desired).
Tailor-Made Allocations
Are you conservative or aggressive investor with your money? Why not be both at once? Rule of thumb favors cash for short term needs, riskier higher-growth investments for longer term. FarPlanner lets you select between your safer and riskier allocations at 8 different time ranges into the future, then uses these to craft an overall allocation strategy tuned to your financial plan.
Plan For Everything
FarPlanner financial plans and forecasts strive to be as accurate as possible. Plans consider inflation, taxes/RMDs, common expenses and loans with people/cars/homes, building emergency funds, paying down credit debt, and account allocations across all your taxable/retirement/college accounts…all at the same time. You can also import your actual finances (e.g., via QIF files) to track current expense/income into the future as well.
Judgement-Free Private Planning
FarPlanner is a tools company, not a financial or banking one. While we recommend you work with a qualified planner or tax pro, no sales person or planner will try to contact you. Your plan’s data stays encrypted on your computer, not the unseen cloud (please backup all of your computer files regularly).
Build your complete (& completely private) financial plan today
You have nothing to lose using FarPlanner, and might gain greater insights into your financial status to share with your financial and tax planners later. Your financial data stays encrypted on your computer under your control. FarPlanner doesn’t access or manipulate your actual account and transaction data, rather can import and project it into useful financial forecasts.