What is Plan in Decades?

A Tool for Thinking About Your Future

Plan in Decades is a numerical financial scenario modeller. It shows how money changes over time based on the assumptions and inputs you choose.

You can compare different inputs and inspect their numerical effects within the model. What if you model:

• Saved an extra $200 per month?
• Paid off your mortgage faster?
• Retired at 55 instead of 65?
• Moved to a different country?

By modelling these scenarios, you can inspect how the selected inputs change the long-term numerical result.

How It Works

1. Enter your current finances - Your savings, investments, debts, and income
2. Set your assumptions - Expected returns, inflation, salary growth
3. Create scenarios - Model different paths and compare them
4. See your number - Find out when your investments could cover your expenses (25x rule)

What Makes It Different

Everything Connected

Unlike simple calculators that look at one thing at a time, Plan in Decades shows how all your finances work together. Pay off a mortgage faster and see how that affects your retirement timeline.

Deliberately Offline

We never connect to your bank accounts. Enter what matters, keep your credentials private. Your data stays on your account, not spread across third-party integrations.

Think in Decades

Built for long-horizon scenario modelling, not day-trading. The model keeps changes that compound over years and decades visible.