Know where your money is going — and where you'll be 6 or 12 months from now.
See your entire financial picture projected 6–12 months ahead. Understand your income, expenses, debts, savings, goals and upcoming commitments in one clear view.
Built with expats in mind — including cross-border finances, family support, education, travel and multiple currencies.
Your financial position, at a glance
Example data — not your real numbersMonthly income
USD 6,400.00
Monthly expenses
USD 4,150.00
Available surplus
USD 2,250.00
Net worth
USD 58,300.00
6-month projection
Cash position dips in month 4 for school fees, then recovers by month 6.
Next best action
Your surplus is positive. Increasing your emergency-fund contribution by 150 a month would reach a 6-month cushion by March.
Most people know what they earn and what they spend.
But do you know what your financial position will look like six months from now?
Built for expats — because your financial life doesn't stop at one border
Most budgeting apps assume one country, one currency and one set of expenses. But an expat's financial life can be very different: earning in one currency, living in another, supporting family back home, paying school fees, travelling home every year, and carrying residency or visa costs on top of everyday living.
- Family support
- Home-country expenses
- Children's education
- Annual travel
- Residency/visa costs
- Emergency travel
- Long-term plans back home
The kind of plan an expat actually needs
Example data — not your real numbers- HousingUSD 1,400.00
- FoodUSD 600.00
- UtilitiesUSD 220.00
- Children's educationUSD 350.00
- Family support back homeUSD 500.00
Upcoming commitments
- School fees — due in 3 monthsUSD 2,400.00
- Annual travel home — due in 5 monthsUSD 1,800.00
- Visa renewal — due in 8 monthsUSD 450.00
6-month cash outlook
Don't just track what happened. See what's coming.
The planner projects your cash position 6 and 12 months ahead, so a shortfall shows up while there's still time to act on it.
Your financial assistant
Ask questions about your financial situation and get clear answers based on the numbers already in your plan.
The assistant explains your plan — it never invents a figure of its own. Every answer is grounded in the same calculations your dashboard uses.
Read-only: nothing you ask it can change your data.
Ask things like:
- Can I afford a new car?
- Why does my balance drop in month 4?
- Am I on track for my children's school fees?
- What should I focus on next?
- How much can I safely save each month?
- What happens if my salary increases by 10%?
Can I afford a new car for 8,000?
Based on your current financial plan, this purchase would reduce your projected cash position over the next 6 months. Calculated
You would also have upcoming school fees and travel costs to account for. Calculated
Would you like to compare this with a lower monthly payment or a different purchase date? Recommendation
How it works
- 1
Add your numbers
Income, expenses, debts and savings.
- 2
Add what's coming
School fees, travel, family support, rent, visa costs and other upcoming commitments.
- 3
See your future
See your projected financial position 6 and 12 months ahead, and what needs attention.
Financial position
Understand your current income, expenses, surplus, debt, savings and net worth.
6–12 month outlook
See where your financial position is heading, month by month.
Goals
Set targets and see whether they're realistically funded.
Upcoming commitments
Plan for school fees, travel, rent and other large expenses before they arrive.
What if?
Explore a scenario without changing your real financial data.
Financial assistant
Ask questions and understand what your numbers mean.
One clear next action
The plan doesn't stop at a dashboard full of numbers. It answers one question: what should I do next?
Your next action
Example data — not your real numbersYour current surplus is positive, but your school-fee commitment creates a projected shortfall in month 5. Consider increasing your monthly allocation by 150.
Your financial data matters
Financial information is personal. Every account is protected by row-level security in the database, so only you can ever read your own numbers.
- Used only for your own planning — never for training, aggregate analysis or marketing.
- Export or delete everything you've entered, at any time, from Settings.
Frequently asked questions
What is Financial Life Planner?
A planning tool that projects your financial position 6 to 12 months ahead, built from your income, expenses, debts, savings, goals and upcoming commitments.
Is this a budgeting app?
No. It doesn't track individual purchases or import transactions from your bank. You enter your planned income and expenses, and it shows you where that plan leads.
Is it designed for expats?
Yes. It's built for financial lives that cross borders — family support, education, travel and visa costs alongside everyday expenses.
Can I use multiple currencies?
Yes. Each entry keeps its own currency and is converted to your primary currency using a rate you provide.
How does the 6/12-month projection work?
It carries your recorded income, expenses, debts and upcoming commitments forward month by month, so a shortfall shows up before it happens rather than after.
How do I enter my financial information?
A short guided setup walks you through it after you sign up, and you can update any of it later.
Is the AI assistant available?
Yes. It answers questions about your own numbers and is read-only — it never changes your data.
Does it work on mobile?
Yes, the whole app is designed to work on a phone screen.
See where your money is taking you.
Build your financial picture and see what the next 6 to 12 months could look like.