Finplan tells you what the money sitting in your account could become

Do the maths right here, now. Then Finplan turns it into a plan, with your numbers and your dates.

@cashcaos points you to up to $59 in bonuses from Agentiis: $10 as soon as you first sign up, and the rest by completing milestones. No card or deposit required.

Do the maths now, with your own numbers

What you have set aside today (€)

What you add every month (€)

For how many years

Expected yearly return (%)

How often interest is added

Reviewed by the team $10 of credit to try it

created by @cashcaos

What you ask it

Three questions everybody asks

“I have money sitting in my account: what could it become?”

Year by year, with an estimate of the net after the Italian 26% tax on the gain

“I want to reach a number: how much a month?”

The maths backwards: from the target to the amount to set aside each month

“Payment, remortgage, early repayment: what suits me?”

And the question that comes before all the others: does it fit my income?

The method

Why you can trust the numbers

A tool does the maths
The model calls the right calculator, and states which one it used.
It declared its sources up front
The Bank of Italy, the ECB, Istat. And if a source doesn’t answer, it says so.

The mortgage

Five calculations, with the Italian rules inside

The monthly payment
How much I can borrow
Remortgaging
Paying it off early
The true cost

Remortgaging is free by law; on home loans to individuals from 2 February 2007 there is no penalty.

After the maths

The difference between an answer and a path

The plan gets saved

You come back whenever you want, and find the same numbers.

It can always be undone

Every change leaves a copy: you can go back.

The reminders are real

A check that really fires, after your yes.

Your numbers

Where the numbers you give it end up

The plan, the check-ins and the reports: a folder on your computer.
“Export everything” gives them back in one file. “Delete everything…” really deletes them.
The messages go through a model. The plan files don’t.

Finplan is not a licensed financial adviser: it recommends no products, shares or banks and promises no returns. It does the maths, and explains what it means.

Details

Versions: In the chat it guides you and reasons with you. On your computer it opens its dashboard and does the maths.
You need: An up-to-date AgentiisOS: Finplan brings its own dashboard, with the calculators
No key and no account to connect
Category: Productivity
Created by: @cashcaos
Licence: Open-source code under the AGPL-3.0-or-later licence. Maintenance and updates are handled by the Agentiis team.

How it works

Three steps. The time is all in the first one.

Sign in with Google

One tap, no form: all you need is a Google account.

The agent is yours

Finplan lands in your space with a budget of its own.

It works on your computer

With AgentiisOS. Reach and configure it from Telegram too.

Ask Finplan your first question

One tap to get in, $10 of credit to really try it, and the agent is in your space.

Try it on AgentIIS

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