planin30
30 seconds to your first plan.
Then build from there.
Free planning tools that give you a first draft, not a blank spreadsheet — with line items, assumptions, and dates already in place. Edit anything. No sign-up wall.
How planning starts
Start with structure, then make it yours.
You should not have to build the spreadsheet before you can answer the question. Each tool starts with categories, estimates, and dates already in place, so you can adjust instead of invent.
We never see your accounts. No bank connections, no transaction logs — enter a balance when you want to update the plan.
Name the decision
Pin down the goal, the deadline, and the tradeoff before the math gets loud.
Run the numbers
Start with plain assumptions for cost, timing, savings, or payoff.
Compare options
Change the inputs and see what moves, not just one final answer.
Make the next move
Leave with a monthly number, date, or option worth revisiting.
Planner library
Life happens. Plan for it.
When you do not know where to start, pick the closest question below. Each tool gives you a first draft you can edit, not a blank spreadsheet to build.
Retirement & long-term money
5 tools
Financial Independence Planner
FinancialWhen could investments support me without a paycheck?
529 College Savings Calculator
FinancialWhat should we save for future education costs?
Monthly targets
3 tools
Home, car & big decisions
3 tools
Home Affordability Calculator
FinancialWhat home price fits my cash and monthly budget?
Car Buy vs Lease Calculator
FinancialWhich car path is cheaper over the period I care about?
Projects, trips & life events
19 tools + AI
Project Planner
AI Plan Builder
Describe a project or import notes, spreadsheets, PDFs, and quotes. Start from a drafted budget, timeline, checklist, and payments.
More project planners
14 more14 more templates for projects, events, care, college, business, and home.
Advice, estate & career
10 tools
Estate Structure Explorer
AdvisorWhich estate structures should I ask an attorney about?
Everyday planners
4 tools
See it in 30 seconds
A compact Wedding Budget Planner demo — budgeting, timeline, payment tracking, and sharing.
Calculator-backed articles
Guides for retirement, home buying, savings, and estate planning — each anchored to a real scenario you can open and edit.