Financial planning that respects you
FinPlan is a free, private personal-finance app that helps you budget, plan loans, and get out of debt — without accounts, tracking, or your data ever leaving your device.
Our mission
Good financial tools shouldn't be locked behind subscriptions, sign-ups, or surveillance. FinPlan exists to put the essentials — a budget planner, an EMI/loan calculator, and a debt-payoff planner — in everyone's hands, for free, in a way that's genuinely useful from the very first minute.
Privacy is the whole point
Everything you enter lives only in your browser's local storage, on your device. There is no server collecting your income, your loans, or your debts. You can use the entire app without ever creating an account. If you do create one, it's a local username and password that never leaves your device — which is also why there's no password recovery. Read the full Privacy Policy.
Who it's for
FinPlan is for anyone who wants a clear picture of their money: someone making their first budget, a borrower comparing loans, a family planning their way out of debt, or anyone who simply wants a private place to think about their finances. It supports multiple currencies and works offline once installed.
How it's built
FinPlan is a single, self-contained web app. It works offline, can be installed to your home screen like a native app, and keeps functioning with no internet connection. No frameworks track you; the calculations run entirely on your device.
What you can do with it
- Budget planner — track income and fixed and variable expenses, and see your savings rate with tailored advice.
- EMI & loan calculator — compute monthly payments, total interest, and a year-by-year amortization breakdown, with an affordability check.
- Debt reducer — compare the avalanche and snowball strategies and see your debt-free date.
- Retirement / FIRE calculator — find out how much you need to reach financial independence and what to invest each month to get there.
New to any of this? Start with our free personal finance guides.
Not financial advice
FinPlan provides general educational information and calculation tools only. It is not financial, legal, tax, or investment advice, and it does not account for your complete personal circumstances. Always consider consulting a qualified, independent financial professional before making major money decisions.