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Future Planner

 * Your Data
 * Charts
 * Financials
 * AI Analysis
 * FAQ
 * Donate
 * Contact Us



Creator's Note

Welcome to the Future Planner. You may have some questions: Is this tool useful?
Will it invade my privacy? Why did you create this tool?

Quick answers: Yes, it is useful. No, it will not invade your privacy. Because
there is no better alternative. Learn More

Firstly, this tool was created to meet the needs of the two creators. Like all
developers, we decided to create our own tool because we found the existing ones
to be inadequate (or just advertisements).

Secondly, while it may not cover all financial scenarios, we have tried to make
it as comprehensive as possible. We use our knowledge of finance to perform
calculations, but we are not professional financial planners, so there may be
some oversights.

Finally, except for exchange rates, all data in this tool is processed within
the browser and is not saved on any server, so you don't have to worry about
privacy. Moreover, the tool is anonymous, and we will not know who has 1 billion
or who has nothing.

Lastly, a piece of advice. We have noticed that more and more young people are
considering having a more relaxed life and not filling most of their lives with
work. This is a good thing, but not everyone can manage their finances well
before retiring. So, it's a good idea to manage your finances well before
retiring. :)


📠 YOUR DATA

Please start entering your financial data below. When entering amounts, use your
current spending level and do not consider inflation, as the system will
automatically calculate inflation.


Clear Save
Templates
 * Couple
 * Single
 * Couple with Kids

Calculate


ABOUT YOU

Current Age:

Country:
SelectAfghanistanÅland IslandsAlbaniaAlgeriaAmerican
SamoaAndorraAngolaAnguillaAntarcticaAntigua and
BarbudaArgentinaArmeniaArubaAustraliaAustriaAzerbaijanBahamasBahrainBangladeshBarbadosBelarusBelgiumBelizeBeninBermudaBhutanBolivia,
Plurinational State ofBonaire, Sint Eustatius and SabaBosnia and
HerzegovinaBotswanaBouvet IslandBrazilBritish Indian Ocean TerritoryBrunei
DarussalamBulgariaBurkina FasoBurundiCambodiaCameroonCanadaCape VerdeCayman
IslandsCentral African RepublicChadChileChinaChristmas IslandCocos (Keeling)
IslandsColombiaComorosCongoCongo, the Democratic Republic of theCook
IslandsCosta RicaCôte d'IvoireCroatiaCubaCuraçaoCyprusCzech
RepublicDenmarkDjiboutiDominicaDominican RepublicEcuadorEgyptEl
SalvadorEquatorial GuineaEritreaEstoniaEthiopiaFalkland Islands (Malvinas)Faroe
IslandsFijiFinlandFranceFrench GuianaFrench PolynesiaFrench Southern
TerritoriesGabonGambiaGeorgiaGermanyGhanaGibraltarGreeceGreenlandGrenadaGuadeloupeGuamGuatemalaGuernseyGuineaGuinea-BissauGuyanaHaitiHeard
Island and McDonald IslandsHoly See (Vatican City State)HondurasHong
KongHungaryIcelandIndiaIndonesiaIran, Islamic Republic ofIraqIrelandIsle of
ManIsraelItalyJamaicaJapanJerseyJordanKazakhstanKenyaKiribatiKorea, Democratic
People's Republic ofKorea, Republic ofKuwaitKyrgyzstanLao People's Democratic
RepublicLatviaLebanonLesothoLiberiaLibyaLiechtensteinLithuaniaLuxembourgMacaoMacedonia,
the former Yugoslav Republic ofMadagascarMalawiMalaysiaMaldivesMaliMaltaMarshall
IslandsMartiniqueMauritaniaMauritiusMayotteMexicoMicronesia, Federated States
ofMoldova, Republic
ofMonacoMongoliaMontenegroMontserratMoroccoMozambiqueMyanmarNamibiaNauruNepalNetherlandsNew
CaledoniaNew ZealandNicaraguaNigerNigeriaNiueNorfolk IslandNorthern Mariana
IslandsNorwayOmanPakistanPalauPalestinian Territory, OccupiedPanamaPapua New
GuineaParaguayPeruPhilippinesPitcairnPolandPortugalPuerto
RicoQatarRéunionRomaniaRussian FederationRwandaSaint BarthélemySaint Helena,
Ascension and Tristan da CunhaSaint Kitts and NevisSaint LuciaSaint Martin
(French part)Saint Pierre and MiquelonSaint Vincent and the GrenadinesSamoaSan
MarinoSao Tome and PrincipeSaudi ArabiaSenegalSerbiaSeychellesSierra
LeoneSingaporeSint Maarten (Dutch part)SlovakiaSloveniaSolomon
IslandsSomaliaSouth AfricaSouth Georgia and the South Sandwich IslandsSouth
SudanSpainSri LankaSudanSurinameSvalbard and Jan
MayenSwazilandSwedenSwitzerlandSyrian Arab RepublicTaiwan, Province of
ChinaTajikistanTanzania, United Republic
ofThailandTimor-LesteTogoTokelauTongaTrinidad and
TobagoTunisiaTurkeyTurkmenistanTurks and Caicos IslandsTuvaluUgandaUkraineUnited
Arab EmiratesUnited KingdomUnited StatesUnited States Minor Outlying
IslandsUruguayUzbekistanVanuatuVenezuela, Bolivarian Republic ofViet NamVirgin
Islands, BritishVirgin Islands, U.S.Wallis and FutunaWestern
SaharaYemenZambiaZimbabwe
Settlement Currency:
SelectUSDCADEURAEDAFNALLAMDARSAUDAZNBAMBDTBGNBHDBIFBNDBOBBRLBWPBYNBZDCDFCHFCLPCNYCOPCRCCVECZKDJFDKKDOPDZDEEKEGPERNETBGBPGELGHSGNFGTQHKDHNLHRKHUFIDRILSINRIQDIRRISKJMDJODJPYKESKHRKMFKRWKWDKZTLBPLKRLTLLVLLYDMADMDLMGAMKDMMKMOPMURMXNMYRMZNNADNGNNIONOKNPRNZDOMRPABPENPHPPKRPLNPYGQARRONRSDRUBRWFSARSDGSEKSGDSOSSYPTHBTNDTOPTRYTTDTWDTZSUAHUGXUYUUZSVEFVNDXAFXOFYERZARZMKZWLBTCETHDOGEBNBADASOLXRPDOTTerraAvalanche
Avg Inflation Rate%:


When you select a country, the average inflation rate for the past 20 years will
automatically appear. If you want to set your own inflation rate, you can enter
it manually. The currency setting will be used for the final calculation result.

 * Group 1
 * 
 * 

Use positive numbers for Amount, Income, and Expense. Annual Growth Rate and
Expense Inflation Rate can be negative.

Add Item
Item:

Type:
Fixed IncomeFixed ExpenseOne-time IncomeOne-time ExpenseAssetReal Estate
Start Age:
30313233343536373839404142434445464748495051525354555657585960616263646566676869707172737475767778798081828384858687888990919293949596979899100101102103104105106107108109110111112113114115116117118119120
Currency:
SelectUSDCADEURAEDAFNALLAMDARSAUDAZNBAMBDTBGNBHDBIFBNDBOBBRLBWPBYNBZDCDFCHFCLPCNYCOPCRCCVECZKDJFDKKDOPDZDEEKEGPERNETBGBPGELGHSGNFGTQHKDHNLHRKHUFIDRILSINRIQDIRRISKJMDJODJPYKESKHRKMFKRWKWDKZTLBPLKRLTLLVLLYDMADMDLMGAMKDMMKMOPMURMXNMYRMZNNADNGNNIONOKNPRNZDOMRPABPENPHPPKRPLNPYGQARRONRSDRUBRWFSARSDGSEKSGDSOSSYPTHBTNDTOPTRYTTDTWDTZSUAHUGXUYUUZSVEFVNDXAFXOFYERZARZMKZWLBTCETHDOGEBNBADASOLXRPDOTTerraAvalanche
Expense:

Expense Inflation Rate%:

Duration (Years):


EDIT GROUP NAME


Save


📈 CHARTS

When your data is ready, this section will display your financial situation in
various charts.

Waiting for data calculation


📋 FINANCIALS

When the date is ready, the system will calculate your financial situation until
you reach the age of 120. During the calculation, we assume that all income and
expenses occur at the beginning of the year, and we assume that all income and
expenses are compounded.

Waiting for data calculation


🤖 AI ANALYSIS

Here, we will analyze your financial situation using AI, based on your data, to
help you find the best financial planning solution. However, the capabilities of
AI are limited (Sometimes it may caculates wrong) , so we can only provide some
basic analysis. If you want more in-depth analysis, please consult a
professional financial planner.

Waiting for data calculation


🙋 FAQ

You may have some questions while using the tool. Here are some that we can
think of.

What are the key assumptions when calculating finances?

Financial modeling is complex, and we cannot predict future spending levels,
inflation rates, exchange rates, etc. So, we have to make some assumptions
during the calculation. We assume that the inflation rate will remain at the
average level of the past 20 years, the exchange rate will be the same as the
current rate, and we also assume that you are entering data on January 1st,
which means all financial items will include the current year.
I have a financial item related to mortgage repayment, and the repayment amount
changes every year. Can this tool calculate it?

Yes, you can add a fixed expense item and name it as mortgage repayment. If your
mortgage repayment decreases year by year, you can set the expense inflation
rate as a negative number.
If I have a one-time income and plan to reinvest it, how should I fill it in?

This is a common scenario where many people reinvest a one-time income. In our
default calculation method, the one-time income will not change with years. But
if you plan to reinvest it, you can set this item as an asset type, enter your
one-time income, and set its growth rate.
Is this tool really not invading my privacy?

We have no relationship with how much money you have, and we don't know who you
are. You don't need to provide any personal information while entering data, so
we cannot track your identity.
Can the system predict future inflation rates and returns?

No, it cannot. We can only calculate based on past data, but we cannot predict
the future.
Can I use cryptocurrencies in the currency section?

Yes, you can. However, since there are many types of cryptocurrencies, we only
provide the 10 most popular ones. You can scroll down to the bottom in the
currency options to see cryptocurrencies. We will also calculate the exchange
rates for cryptocurrencies. Please note that the exchange rates for
cryptocurrencies are much more volatile compared to fiat currencies.
Can I input my investment portfolio here?

Yes, you can input your investment portfolio in the assets section and set the
growth rate.
Can I export my data?

Currently, it is not possible to export your data. However, you can save your
data in the local browser, and it will be automatically loaded when you reopen
the tool.
Where can I get the RM code for AI analysis?

The AI analysis feature is currently in testing. You can email us to request an
RM code. Alternatively, you can consider supporting us by making a donation and
then emailing us. We will provide RM codes with different usage limits based on
the donation amount.
I have a feature suggestion. How can I provide it?

Thank you for your enthusiasm! We welcome feature suggestions. You can contact
me at jason[AT]kenengba.com.
I find this tool very useful. How can I show my appreciation?

If you find this tool helpful, you can click the 'Donate' button at the top to
buy us a coffee.
Created By Jason Ng, Dr. XueDonate

DONATE

Thank you for appreciating our knowledge and hard work. Any amount of donation
will be used to maintain our website, as well as our research and development.

Our donation methods are as follows:

If you are a user from mainland China, you can donate by scanning the QR code
below using WeChat:



If you are a user from outside mainland China, you can donate through PayPal by
clicking the button below.

Donate via Paypal

CONTACT US

If you have any questions or suggestions, or if you have donated our work and
would like more AI analysis RM codes, please feel free to contact us through the
following methods:

Send an email to jason[AT]kenengba.com

Alternatively, if you know me personally, you can reach out to me directly for a
chat.