When could we both stop working?
Young family
2050The first year both can stop that holds up in 9 of 10 market histories, 7 years before they planned.
See it in the example
See what your household can do with the numbers it already has.
Enter your balances once a month. Fintat shows where you stand, when you could stop working, and what would change it.
Invite only while it's being tested.
2028The first year both can stop that holds up in 9 of 10 market histories, 3 years before they planned.
Their record Projected, with the middle half of market histories shaded
Open this householdQuestions it answers
When will the debt be gone?
Paying off four debts
August 2029$150 a month above the minimums clears it 20 months sooner and saves $2,614 in interest.
See it in the example
Did our savings grow, or did we just put more in?
Teacher with a pension
$51,222Market growth in 2025, on top of the $10,100 they put in.
Put in Growth Loss
See it in the examplePick a household like yours
Each one is invented. You get your own copy to change as you like, and nobody else sees it.
- Starting out24, in a first job, paying off student loans and a credit card. Owes more than they own, for now.
- RebuildingOne income, medical and credit-card debt from a hard stretch, and no savings cushion yet.
- Paying off four debtsA couple around 30 paying down two cards, a personal loan and a car loan, with $150 a month above the minimum payments.
- A typical householdTwo incomes that haven't grown in years, a credit-card balance carried month to month, and renting.
- Young familyA couple in their mid-30s with two kids, a mortgage and college savings, putting a little aside each month.
- Self-employed single parentFreelance work plus a part-time job, uneven pay, raising a child alone and saving a small, fixed amount.
- Teacher with a pensionEarly 50s, a pension that won't rise with prices, and a modest amount saved through work.
- Ten years apartOne partner reaches retirement age while the other keeps working for another decade.
- Nearly retiredEarly 60s, the house paid off, about half the savings in bonds, and two years to cover before Social Security starts.
No bank logins
You type in each account's balance once a month. Fintat never asks for a bank password, and nothing breaks when a bank changes its website.
Your household is its own file
Each account's household is kept in a separate encrypted file, never in a database shared with anyone else.
Projections look like projections
Anything Fintat works out for the future is drawn dotted and labelled, so your own figures never blur with its estimates.