The plan that
bends with you.
Free budgeting, retirement planning, and FIRE forecasting — all in one place. From your first paycheck to your last withdrawal, planbend grows with you.
One tool for every chapter
Start free. Upgrade when you're ready.
The core tool is free forever. Pro unlocks the household-complexity features. No credit card to start.
For starting out, casual budgeting, or evaluating the tool.
Launch pricing — first 500 lifetime members at $179, then $249
For real planning: complex households, FIRE goals, retirement strategy.
Items marked Soon are on the public roadmap — included in your subscription when they ship.
See full feature comparison →Calculators for every retirement question
Twenty calculators, one connected plan. These 8 of 20 free calculators work in your browser with no signup. On their own, each answers a single question — but inside the planbend app they all share the same financial plan, so changing one assumption updates every projection at once. Standalone calculators can't do that.
Guides for real households
When two kids are in college at once: the 529 overlap problem
How overlapping enrollment years compound your cash-flow burden — and how to plan for it.
The healthcare gap: covering ages 55 to 65 before Medicare
ACA premiums, subsidy cliffs, and how the early-retirement healthcare gap reshapes your number.
Start with what you have today.
Five minutes of setup. Years of clarity. Nothing to install.