Plan your money and retirement. Try any what-if.

Start with what you have today. Filoah shows every year ahead in one plan. Try a new plan, or just tell Filoah Chat, and see the whole plan update.

Start free

Make a free account. You never pay to plan.

Scroll to see how it works

It starts with today.

Type what you earn, what you spend, what you have, and what you owe. It takes a few minutes. You do not need to link a bank.

Today

Sample plan

Income, each year: $92,000
Expenses, each year: $58,000
What you have: $40,000
What you owe: $30,000

See every year at once.

Your plan shows your income and expenses for every year ahead, all in one view. Life changes show up right where they happen. A new job. A baby. A move. The day you stop working.

2026

Sample plan

Income: $92,000
Expenses: $58,000

2028 A new job
2031 A baby
2037 A move
2054 You stop working

See what you own and what you owe.

Cash, savings, your home, and your debts, all in one picture. Watch debts get smaller and savings get bigger as the years go by.

Cash and savings
Your home
What you owe

Sample plan

Ask what if.

What if you stop work two years sooner? What if rent goes up? Move one slider. Watch your whole future change.

Stop work at age 55Sample plan

Today, stop at 62
What if, stop at 55

In this sample plan, savings run out at age 76.

Or just say it.

Edit your plan just by chatting. Tell Filoah Chat what changed, in your own words.

Filoah Chat does not give tax, legal, or investment advice.

Filoah Chat

Sample plan

I got a raise. I make $98,000 now.

Done. Your income is now $98,000 a year. Your years are updated.

Income, each year$98,000

Try a change. Keep today safe.

Your plan for today stays put while you test a what-if. Put them side by side. Keep the one you like.

Today, Stop work at 62

Sample plan

In this sample plan, savings last past age 90.

What if, Stop work at 55

Sample plan

In this sample plan, savings run out at age 76.

A planner. Nothing more.

Free to use. Nothing to pay.
We never hold or move your money.
Your plan stays in your account, so you can come back to it.

How it works

Make a free account. It only takes a minute.
Add your numbers. Type them in, or just tell Filoah Chat.
See every year. Your whole plan, in one view.
Try a what-if. Change one thing and see what happens.

Questions

Is Filoah free?

Yes. You can plan for free.

Do I need an account?

Yes. It is free to make one. Your account keeps your plan, so you can pick up where you left off.

Do you hold my money?

No. Filoah is not a bank or a brokerage. It does not hold, move, or invest your money.

Is this advice?

No. Filoah helps you see your own plan. It does not give tax, legal, or investment advice.

Can I change my plan with Filoah Chat?

Yes. You can edit your plan just by chatting.

Will my plan come true?

No one can promise that. Filoah shows what could happen if your numbers hold. You can change them any time.

2026
2031
2036
2041
2046
2051
2056
2061

Your future has a lot of years. Go see them.

Start free

Free account. Nothing to pay.