What is Plan in Decades?

A Tool for Thinking About Your Future

Plan in Decades is a tool to help you see the impact of how money changes over time depending on how you allocate it.

You can compare different inputs to the model to get an idea of how different choices might affect your financial future. What if you:

• Saved an extra $200 per month?
• Paid off your mortgage faster?
• Retired at 55 instead of 65?
• Moved to a different country?

By modeling these scenarios, you can start to understand the long-term implications of financial decisions.

How It Works

1. Enter your current finances - Your savings, investments, debts, and income
2. Set your assumptions - Expected returns, inflation, salary growth
3. Create scenarios - Model different paths and compare them
4. See your number - Find out when your investments could cover your expenses (25x rule)

What Makes It Different

Everything Connected

Unlike simple calculators that look at one thing at a time, Plan in Decades shows how all your finances work together. Pay off a mortgage faster and see how that affects your retirement timeline.

Deliberately Offline

We never connect to your bank accounts. Enter what matters, keep your credentials private. Your data stays on your account, not spread across third-party integrations.

Think in Decades

Built for long-term planning, not day-trading. We help you focus on the big picture - the decisions that compound over years and decades.