Long-term financial planning
Plan your finances for years ahead
Bring income, expenses, savings, loans and investments together in one plan. Test different scenarios and see how today's decisions shape your financial future.
- Planning horizon up to 10 years
- Switch from a yearly view to months when a near-term decision needs it
- Compare plan, actuals, inflation impact, and the gap between them
- One plan across desktop and mobile
Why it helps
See the whole picture before making big financial decisions. LongFinPlan connects your accounts, savings, loans, investments, currencies and recurring events into one long-term view.
Long horizon
Plan capital, liabilities and goals for years ahead, not only within the current month.
Detail when needed
Start with the big picture. When a near-term view matters, switch to monthly view mode.
Plan vs reality
When fresh data appears, update actuals and compare them with the plan right away.
Flexible recurring events
Configure recurring income, expenses and interest by date — the 15th of every month, the 1st and 15th, the last day of the month, once a quarter, or your own date interval.
Multiple plans
Keep parallel scenarios — for example, conservative and aggressive — and compare their long-term outcomes.
Share a plan
Send a read-only link to family or a financial advisor. They can view your plan without registering.
Automatic tax calculations
Plan net income by deducting taxes directly from your planned earnings — percentage-based or fixed, with optional inflation indexing.
How it works
Start with your assumptions, build the plan, update actual numbers when they appear, and adjust the future scenario.
1. Describe your finances
Add accounts, savings, loans, investments, recurring income and expenses.
2. Build the plan
Look years ahead and open monthly detail when you need it.
3. Update actuals
When real data appears, record it in the system.
4. Compare and adjust
Review actuals against the plan, see deviations and refine the next scenario.
What you can plan
Plan the financial scenarios that shape your future.
Savings and deposits
Accounts, savings products, interest capitalization and progress toward a goal.
Income and expenses
Salary, rent, subscriptions, recurring costs and other regular actions.
Investments and bonds
Portfolio returns, coupons and baseline investment scenarios.
Loans
Annuity loans, payments and long-term interest-rate impact.
Financial goals
Emergency fund, large purchases and other long-term savings goals.
Real value of money
Track the purchasing power of your money over time — not just the numbers on the account.
Taxes
Deduct taxes automatically from planned income — percentage-based or fixed amounts, with inflation indexing support.
The same product on mobile
Check your plan, switch display modes and review key numbers from your phone — it's the same data as on your desktop.
The same data and the same display modes
All display controls tucked into one panel
Convenient for quick review and switching between layers
Look at your plan from different angles
View planned values, actual results, inflation-adjusted numbers and the delta between plan and reality — your data stays the same.
Plan
For working with the future scenario without actual values.
Plan + fact
For comparing expectations and reality on one screen.
Fact
For a clean view of already recorded data.
Inflation
Shows how inflation reduces the real value of money — on top of any other display mode.
Delta
Highlights where actual results diverge from the plan.
Months
Expand a yearly row into months when you need a view of the coming weeks.
Example screens
See how the same data looks in different modes: plan, actuals, inflation and delta.
Plan
Plan + fact + delta
Plan + fact + inflation
Planning in multiple currencies
Plan exchange rates, compare them with actual values, and convert totals into one base currency when the required cross-rates are available.
Multiple currencies
Manage accounts and scenarios in different currencies inside one system.
Planned exchange rates
Include exchange rates in the plan as part of your long-term scenario.
Comparison with actuals
Update actual rates and see how closely they matched your expectations.
Conversion to a base currency
If the needed cross-rates are available, the app can show the total in one selected currency.
Frequently asked questions
What is LongFinPlan?
LongFinPlan is a long-term personal finance planning app for building a financial plan up to 10 years ahead. It helps you plan savings, loans, investments, recurring income and expenses, currencies, inflation and compare planned values with actual results.
Is LongFinPlan an expense tracker?
No. LongFinPlan is focused on long-term financial planning, not daily expense tracking. You do not need to record every purchase to use it.
What can I plan in LongFinPlan?
You can plan accounts, savings, deposits, loans, investments, bonds, recurring income and expenses, currencies, exchange rates, inflation and financial goals.
Can I compare plan and actual values?
Yes. LongFinPlan supports planned and actual values. When both are enabled, you can compare them and see the difference between expected and real results.
Does LongFinPlan support multiple currencies?
Yes. You can work with different currencies, plan exchange rates, update actual rates and convert totals into a selected base currency when the required cross-rates are available.
Do I need to update data every day?
No. You can update actual values whenever it makes sense for your planning process.
Can I use monthly detail?
Yes. Monthly detail can be enabled when you need a closer view of the near-term period.
Start with a simple plan. Improve it over time.
Create your financial plan, add real numbers when needed, and keep it up to date.
Start freeNo credit card required.