Future Planner - 躺平计算器

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.

About You

Current Age:

Country:

Settlement Currency:

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.

Item:

Type:

Start Age:

Currency:

Expense:

Expense Inflation Rate%:

Duration (Years):

📈 Charts

When your data is ready, this section will display your financial situation in various charts. Meanwhile, we also provide some data from the World Bank to help you understand the country you are living in.

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. The system generates some free RM codes every day. You can click the 'Get RM Code' button in the top menu to see them. You can also consider supporting us by making a donation. After making a donation, please send us an email, and we will provide RM codes with different usage limits based on the donation amount.

How many times can each RM code be used?

Each RM code can be used 10 times, which includes using AI for overall financial statement analysis and each round of chat with AI.

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.