Personal Financial Planner

Professional Financial Planning Without the Professional Fees! Stop letting financial uncertainty control your life. Our Personal Financial Planner gives you the same professional-grade tools that financial advisors use—debt elimination strategies, goal tracking, and 5-year projections—without the $200/hour fees or monthly subscriptions. Take control of your money today and watch financial stress transform into financial confidence.

⚡ Features & Capabilities

💾 Automatic Data Management

• Real-time auto-save using browser localStorage

• Automatic data restoration on application reload

• Seamless data persistence between browser sessions

• No user action required for data preservation

• Graceful fallback for browsers with disabled storage

💰 Budget Management

• Multiple income source tracking

• Comprehensive expense categorization (14 categories)

• Real-time budget calculations and analysis

• Visual expense breakdown with percentages

• Intelligent budget recommendations

🎯 Financial Goals

• Unlimited goal creation and tracking

• Progress visualization with animated progress bars

• Timeline calculations for goal achievement

• Monthly contribution planning

• Goal completion projections

💳 Debt Management

• Debt Avalanche strategy (minimum interest paid)

• Debt Snowball strategy (psychological wins)

• Side-by-side strategy comparison

• Extra payment and one-time payment scenarios

• Payoff timeline visualization

• Interest savings calculations

📊 Analytics & Reporting

• Financial Health Score (0-100)

• Debt-to-Income ratio analysis

• Savings rate calculations

• 5-year financial projections

• Interactive charts and visualizations

• Emergency fund status tracking

📤 Export Capabilities

• PDF Reports: Personal financial summary, budget analysis

• Excel Spreadsheets: Complete data analysis with multiple sheets

• JSON Backup: Complete data backup and restore

• Print-Ready: All reports optimized for printing