planbend is a free, browser-based financial planning tool. Your monthly budget and your retirement projection run on the same engine, so changing what you save today updates when you could realistically stop working, not just whether this month balanced.
It does not require linking a bank account, and you can start without creating one. Your plan lives in your browser until you choose to save it.
Track what you spend across every category, with sinking funds for irregular costs, a recurring bills and paycheck calendar, and a forecast that flags the month your balance dips lowest.
A year-by-year projection to life expectancy using your real accounts, contributions, and growth assumptions, for one person or a two-income household on separate timelines.
Model a conversion ladder against tax bracket headroom, see the effect on lifetime tax, and watch where conversions push you into an IRMAA tier.
If you stop working before 65, model ACA premiums through the gap years before Medicare starts. It is one of the largest variables in early retirement and most tools treat it as a footnote.
Project education costs per child and surface the years where enrolment overlaps, which is where the cash flow crunch actually lands.
Compare withdrawal orders side by side on lifetime tax, IRMAA exposure, and how long the portfolio lasts.
Monte Carlo and historical sequence-of-returns runs, so you can see the range of outcomes rather than a single optimistic line.
Accounts, property, vehicles, equity compensation, and liabilities in one place, with a debt payoff planner comparing snowball against avalanche on your real balances.
planbend is a planning tool, not financial advice. Projections are estimates based on the assumptions you enter, and actual outcomes will differ.