Finance

Set monthly budgets per category (housing, food, transport, etc.), log transactions with date/amount/category, and see progress bars per category plus a monthly overview. Supports multiple currencies and household mode where multiple users share one ledger. Variance from budget feeds your FIRE projection.

Yes — USD, EUR, GBP, NOK, SEK, DKK, and more. Set a primary currency per account; transactions can be logged in any currency and are converted to your primary for reporting. FX rates refresh daily.

Manual entry + CSV import are supported today. Bank-feed integration (Plaid, Tink) is on the roadmap but not yet shipping — for now, most users export a monthly CSV from their bank and upload it, or log recurring expenses as templates.

FIRE stands for Financial Independence / Retire Early. The calculator takes your income, savings rate, current net worth, and expected returns, then projects when you hit financial independence. Your FIRE age lights up as a marked cell on the year view of your life calendar — so retirement isn't an abstract number, it's a specific square you can see.

Yes — CSV export for transactions (by date range), PDF export for budgets and FIRE projections. Full account export (every feature's data in one JSON file) is available from Profile → Export Data.

Budget is the day-to-day: monthly category caps (rent, groceries, etc.) and transaction logging. Finance is the macro: net worth, assets, FIRE projection, income tracking, multi-year trends. Same underlying data, different lens — Budget answers 'how's this month?', Finance answers 'where am I heading?'

Yes — Finance → Assets. Add accounts (cash, investments, property) with current values; liabilities (loans, credit cards) subtract. Net worth charts month over month and feeds the FIRE projection. Update values manually (quarterly is typical) or set auto-appreciation rates.

Household mode — invite up to 5 members to one shared Pro plan. Transactions can be marked 'mine', 'shared', or tagged to a specific person. Shared ones split by a rule you set (50/50, income-proportional, custom). Each household member still has their own journal, calendar, and goals.

Not today — for privacy-conscious users (our core audience) this is an opt-in we're taking slow. Plaid/Tink integration is scoped for a later release. CSV import covers 95% of the value in the meantime; most users import once a month and it takes 2 minutes.

Yes — Finance → Goals. Set target amount, target date, and funding source (savings rate, income). Progress bars on the dashboard, and each goal's target year appears as a marker on the year grid of your life calendar. Common goals: emergency fund, house down payment, sabbatical fund, FIRE number.

No — we're not tax software. We track your post-tax spending and your gross/net income so you can plan, but we don't file or optimize taxes. For FIRE projections, you set your expected effective tax rate and we apply it; for the hard part, use a local accountant or TurboTax/Skatteetaten/etc.

Yes — mark any transaction as recurring (weekly, monthly, annual) and Lifeplanr auto-creates the next one on schedule. A Subscriptions widget on the dashboard totals monthly cost and flags items you haven't used recently based on your last transaction date.

Manual yes — add crypto holdings as Assets with current value (refresh periodically). Auto-price-fetching via CoinGecko API is on the roadmap. For now, most crypto users update their holdings monthly which works fine for net-worth and FIRE math.

You set your effective tax rate manually (default 28% for Norwegian users). The calculator applies it to retirement withdrawals. For users with complex tax situations (US expat, multi-country residency), the manual rate works as a conservative estimate. Tax-residency-aware FIRE is too country-specific to fully automate.

Yes — Household mode supports up to 5 members regardless of relationship. Each transaction can be marked as personal, shared 50/50, or custom split. Common use: roommates splitting rent + utilities while keeping personal spending separate.

Yes — CSV export from Finance → Transactions or Finance → Assets. Opens directly in Excel/Sheets/Numbers. Importing FROM CSV (e.g., bank exports) is also supported. The format is documented in /faq for the developer-curious.

Mark a transaction as 'recurring monthly/weekly/annual' and it auto-creates the next instance on schedule. You can edit individual instances (rent change next month) without breaking the series. Recurring totals on the dashboard show what's locked in for the next 12 months.