I spent the last 2.5 years building a super detailed financial planning tool called FinZot (US focused). It helps with questions like deciding when to retire, how much to spend in retirement, how to optimize taxes.
I believe it is much more detailed than other free tools or free tiers. It even contains an embedded Excel-inspired domain specific language for customizing the sizing of income/expense, etc.
The entire planning engine is free. Runs in your browser (Rust/WASM). No sign-up is necessary. Your data does not leave your browser unless you create an account.
There are a couple of paid features in the app which are mostly just quality of life features and AI integration. The AI integration is via a Claude connector that gives Claude access to the full planning engine.
Links: https://app.finzot.com/plan/6VXFMte2tRMp81sRKhYgXM/results/n...
finzot.com