A lot of financial planning tools I tried had the same problem: they assume your life is a straight line.
But real life isn’t like that. I wanted to model questions like:
- “What if I buy a house in 3 years, then my partner stops working when we have kids?”
- “How does retiring at 45 vs 50 actually compare when I factor in mortgage payoff?”
- “What are my actual odds of success, not just what happens with average returns?”
Spreadsheets worked for a while, but they got unwieldy fast. Every time I wanted to test a “what if” scenario, I was copy-pasting tabs and breaking formulas, so I built Financial Roadmap.
What it does:
- Models income, expenses, assets, and liabilities with start/end dates tied to life events
- Calculates your FI date based on when your portfolio can sustain your expenses at your chosen SWR
- Runs Monte Carlo simulations so you can see probability of success, not just “average case”
- Lets you compare scenarios side-by-side (e.g., “buy house” vs “keep renting”)
- Tracks your actual progress vs projections over time
It handles the messy stuff: salary changes, mortgages that get paid off, one-time expenses, partners with different retirement dates, and more.
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It doesn't sync with bank accounts since it's mainly aimed at future projections and planning, the only thing it needs is a yearly or monthly aggregate for your expenses and income (rather then individual items, also better for privacy)
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Cool, do you sync your bank accs. with it?
It doesn't sync with bank accounts since it's mainly aimed at future projections and planning, the only thing it needs is a yearly or monthly aggregate for your expenses and income (rather then individual items, also better for privacy)
Wow hoping to try it soon