---
title: "Financial Planner: FIRE, Goals & Cash Flow | MyWealthCheck"
description: "Free financial planner in any currency: FIRE number and monthly investing, pensions, life goals, a yearly cash flow and a bucket plan after FI with crash tests."
canonical: https://mywealthcheck.com/planner/
language: en
updated: 2026-11-09
publisher: MyWealthCheck (hello@mywealthcheck.com)
note: Text copy of the canonical page, generated from the same build. For education only, not investment advice.
---
Free · any currency · no sign-up

# Financial planner

Plan financial independence first, then every other goal. Find your FIRE number, how much to invest each month, and how to manage the money after you're FI — including in a crash.

> **Interactive tool.** This part of the page runs in the browser and is not included in this text copy. Open https://mywealthcheck.com/planner/ to enter your own numbers.

## How the planner works

1. **You.** Where you live, your currency, age, income, pension contributions and the age you want to be financially independent.
2. **FI inputs and FIRE plan.** Your FIRE number, the monthly investment that reaches it and your earliest FI age.
3. **After FI.** A bucket strategy for spending your savings, tested against a market crash, with a yearly review.
4. **Goals.** One-off goals (education, a home, a business) and recurring goals, each with its own glide path to safety.
5. **Where to invest.** Product categories for each goal, based on how far away it is.
6. **Cash flow.** A year-by-year check that the whole plan fits your income, loans and spending.

Want a quick number first? Try the [FIRE calculator](https://mywealthcheck.com/calculators/fire-calculator/) or the [retirement calculator](https://mywealthcheck.com/calculators/retirement-calculator/), then bring your inputs here.

## Frequently asked questions

### What does this financial planner do?

It builds a complete plan in eight steps: your FIRE number and the monthly investment to reach it, a bucket strategy for spending the money after you become financially independent, one-off goals such as a child's education or a home, recurring goals such as a car every few years, the types of products to invest in, and a year-by-year cash flow that checks whether everything fits your income.

### How is the planner different from the FIRE calculator?

The FIRE calculator needs five numbers and answers one question: how much to invest each month to retire early. The planner adds workplace and locked pensions separately, health costs, life goals, loans and a cash-flow check, and a plan for after FI with crash stress tests and a yearly review.

### Does it work outside the US?

Yes. Pick where you live and your currency in the first step. The country sets typical inflation and returns and the local names for pension accounts (for example 401(k), ISA and SIPP, super, or EPF and NPS). Every assumption can be changed.

### What is the bucket strategy after FI?

Money for the next few years of spending is kept in bonds and cash, and money for later years stays partly in stocks. Each year you refill the near-term bucket from the others. If markets crash, you spend from bonds and cash instead of selling stocks at a low. The planner sizes the buckets and stress-tests them with a 35% stock crash in the first year.

### Does the planner recommend specific funds?

No. It suggests product categories, such as a broad index fund or a short-term bond fund, never specific funds or stocks. For advice on your own situation, talk to a licensed, fee-only adviser.

### Is my data saved or sent anywhere?

Your plan is saved only in your own browser so you can come back to it. Nothing is sent to our servers and there is no sign-up.

**For education only — not financial advice.** Results depend entirely on your inputs and on assumed returns and inflation, which will differ from reality. Review your plan at least once a year. For advice on your situation, talk to a licensed, fee-only adviser.