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FinProjection
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Know your debt-free date. Project your net worth.

Turn your real income, expenses, debts, and assets into a clear 10-year financial roadmap - with growth, inflation, and the avalanche debt strategy built in.

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Your projection · Live preview
Debt-free
Apr 2030
✓ 4 debts cleared
Net worth · 10y
$502K
+1,338%
Net worth vs. debt✓Debt payoff milestone

Sample dual-income household · 4 debts · 5 assets - your numbers will tell your story

10y
Projection horizon
0
Data sent to server
<2m
To first chart
Step 1 - Financial Profile

Start with your income

Add every income source - salary, freelance, rental, bonuses. Each entry supports monthly, yearly, or one-time frequency, optional date ranges to control when it's active, and an annual growth rate.

Monthly / Yearly / One-time Start & end date control Annual growth rate Unlimited entries

Income

Income SourceAmountGrowthFrequencyTime Period
Alex – Software Engineer$8,5004.0%Monthly—
Sam – Nurse (Part-time)$3,2003.0%Monthly—
$1,200
5.0%
2026-01
2027-06
Annual Performance Bonus$12,0003.0%YearlyEvery Dec
Freelance Consulting$2,5005.0%Monthly2026-01 → 2027-12
Rental Property$1,4002.5%Monthly2026-06 →

Click any row to edit - the "Freelance Work" row is expanded above, showing start/end dates and growth rate.

Step 2 - Expenses

Model every expense with inflation

Recurring bills, annual costs, or a one-time home renovation - add them all. Each expense has an inflation rate so costs grow realistically over the years. Date ranges let you model expenses that haven't started yet or will end.

Inflation rate per item One-time costs on specific date Yearly bills (e.g. insurance) Start & end date ranges

Expenses

CategoryAmountInflationFrequencyTime Period
Mortgage$2,2000.0%Monthly—
Groceries$9004.5%Monthly—
Childcare$1,6005.0%Monthly2026-01 → 2029-08
Car Insurance$1,8003.0%YearlyEvery Mar
Utilities$2803.5%Monthly—
Home Renovation$25,0000.0%One-time2026-09
Kids' College Fund$5000.0%Monthly2027-01 →

Home Renovation ($15,000) is a one-time expense in September 2026. It appears as a cash outflow only in that month's projection - not every month. Annual costs like car insurance recur every March, not monthly.

Step 3 - Assets

Track assets and their growth

Investments, savings accounts, property equity - add each one with a compounding growth rate. FinProjection applies these rates month by month so your net worth calculation stays accurate over the full projection.

Annual compounding return rate Counts toward net worth Separate from debt repayment No limit on asset entries

Assets

Asset NameCurrent ValueAnnual Return
401(k) – Alex$68,0007.0%
401(k) – Sam$22,0007.0%
Brokerage Account$31,5008.5%
High-Yield Savings$18,2004.8%
Home Equity$95,0003.5%
Step 4 - Debts & Payoff Strategy

Avalanche strategy - highest interest first

Enter each debt with its current balance, interest rate, and minimum payment. FinProjection automatically applies the avalanche method: every dollar of surplus goes to the highest-rate debt first. When it's gone, that payment rolls to the next - so you pay the minimum total interest possible.

Automatic avalanche ordering Min payment + surplus allocation Payoff cascades automatically Monthly accrual calculation

Debts

Debt NameBalanceInterest RateMin Payment
Credit Card A$6,20022.9%$185
Credit Card B$4,10018.4%$120
Car Loan$18,4007.2%$420
Student Loan$34,8004.8%$360

How the avalanche plays out over time

Avalanche order#1 Credit Card A (22.9%)#2 Credit Card B (18.4%)#3 Car Loan (7.2%)#4 Student Loan (4.8%)
Credit Card A22.9% APR · min $185/mo$6,200
Today
05/2026
09/2027
04/2029
11/2031
Credit Card B18.4% APR · min $120/mo$4,100
Today
05/2026
09/2027
04/2029
11/2031
Car Loan7.2% APR · min $420/mo$18,400
Today
05/2026
09/2027
04/2029
11/2031
Student Loan4.8% APR · min $360/mo$34,800
Today
05/2026
09/2027
04/2029
11/2031

05/2026

Credit Card A paid off

$185/mo freed → Card B

09/2027

Credit Card B paid off

$305/mo freed → Car Loan

04/2029

Car Loan paid off

$725/mo freed → Student Loan

11/2031

Student Loan paid off

$5,100+/mo fully free

Results - Key Metrics

Instant financial overview

As soon as you enter data, FinProjection calculates your monthly cash flow, savings rate, debt-free date, current net worth, and a 10-year wealth projection - all updated live.

Monthly Income
$16,600

5 sources incl. rental + consulting

Monthly Expenses
$7,863

Incl. childcare, mortgage, utilities

Monthly Savings
$3,572

After minimum debt payments

Debt-Free Date
Nov 2031

4 debts cleared, avalanche order

Current Net Worth
$234,900
Total Assets: $298,400Total Debts: $63,500
Debt-to-Asset Ratio
21.3%
Projected Net Worth
$502K
+114% in 10 years

After 5 years: $214K

Results - Projection Chart

Watch debt fall and wealth rise

An interactive 10-year chart plots your net worth and total debt month by month. Vertical markers show each debt payoff - you can see exactly when your financial trajectory inflects.

✓Debt payoff milestone
Net worth compounds after debt is cleared
Total debt drops to zero in avalanche order
Debt payoff milestone marker
Results - Monthly Breakdown

Every month, broken down

Below the chart, a detailed cash-flow table shows income, expenses, debt payments, savings, net worth, and remaining debt for each month over the full projection period. Payoff milestones are highlighted in green.

Time
Total Income
Total Expenses
Debt Payment
Remaining Debt
Total Assets
Net Worth
Status
02/2026
$15,600
$4,980
$4,640
$60,121
$236,198
$40,380

Income Breakdown

Alex – Software Engineer$8,500
Sam – Nurse (Part-time)$3,200
Freelance Consulting$2,500
Rental Property$1,400

Expenses Breakdown

Mortgage$2,200
Groceries$900
Childcare$1,600
Utilities$280

Debt Payments

Credit Card A$5,812
Interest accrued$119
Principal payment$66
Extra payment$3,415
Credit Card B$4,028
Interest accrued$63
Principal payment$57
Car Loan$18,156
Interest accrued$110
Principal payment$310
Student Loan$34,521
Interest accrued$139
Principal payment$221

Asset Growth

401(k) – Alex$68,397
Monthly growth+$397
401(k) – Sam$22,128
Monthly growth+$128
Brokerage Account$31,723
Monthly growth+$223
High-Yield Savings$18,273
Monthly growth+$73
Home Equity$95,277
Monthly growth+$277
02/2026
$15,600
$4,980
$4,640
$60,121
$236,198
$40,380
03/2026
$15,600
$6,780
$4,640
$56,850
$237,576
$43,260
Car insurance
09/2026
$15,600
$30,380
$4,640
$49,200
$241,100
$42,100
Home renovation
05/2027
$16,224
$5,290
$5,920
$43,100
$255,400
$58,600
09/2028
$16,900
$4,580
$6,040
$21,800
$276,200
$89,100
04/2030
$17,576
$4,280
$4,360
$0
$315,400
$141,000
11/2032
$18,110
$4,000
$0
$0
$420,600
$263,000
… continues month by month through 2034

Showing first 24 of 120 months

Click any row to expand - the first row above shows February 2026 broken down into income sources, expense categories, per-debt interest + principal + extra payments, and individual asset growth.

FAQ

Frequently asked questions

Everything you need to know about how FinProjection works.

What do the financial terms mean?

Net Worth: Your total assets minus total liabilities - the key measure of financial health.

Cash Flow: Money remaining each month after all expenses and debt payments.

Debt-to-Asset Ratio: Total debt as a proportion of total assets - a common indicator of financial risk.

Compound Interest: Interest calculated on both original principal and any previously accumulated interest.

What is the Avalanche debt payoff strategy?

The Avalanche method focuses on paying off the debt with the highest interest rate first, minimizing total interest paid over time.

How it works:

  • Make the minimum payment on every debt
  • Direct any extra cash toward the debt with the highest interest rate
  • Once that debt is paid off, roll the payment into the next highest-rate debt
How should I interpret the projection numbers?

The projection is based on the data you enter and assumptions about the future:

Income: Grows at the annual rate you specify (typically 3–5%)

Expenses: Increase with inflation (typically 2–4% per year)

Assets: Appreciate based on estimated returns (e.g., equities ~7–10%, savings ~1–2%)

Important: These are projections, not guarantees. Actual results will vary with market conditions and life changes.

How are growth and inflation rates applied?

The app offers two modes:

Annual: Adjustments are applied once per year in January - more realistic for most income and expense changes.

Monthly: The annual rate is divided by 12 and applied each month for smoother compounding.

You can choose your preferred mode in Settings.

How is my data stored and protected?

Browser-only storage: All data is stored locally in your browser. Nothing is sent to a server or shared with third parties.

Privacy mode: You can hide all financial figures when using the app in public or shared environments.

No tracking: The app does not collect, store, or sell any personal or financial information.

Note: Clearing your browser data will delete your financial information. Use the Export feature to create a backup.

Why is the debt-free date important?

Increased cash flow: Once debts are paid off, money previously going to interest and principal is freed up for saving and investing.

Lower financial risk: Less debt means less exposure to interest rate changes and financial stress.

Wealth building: With debt cleared, your full surplus can go toward growing net worth.

Note: FinProjection is a planning tool, not financial advice. Projections are based on the assumptions and data you provide. Consult a qualified financial advisor for personalized guidance.
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