Everything you need to build a real financial plan

Dual-Path Freedom Model

Reach freedom through either passive income (assets that pay you monthly) OR net worth (the 4% rule). PoisePlan tracks both paths and shows which is faster for your situation.

• —Path A: Monthly passive income covering your freedom number
• —Path B: 4% of net worth covering your freedom number
• —Combined Coverage showing total progress
• —Faster Path indicator for where to focus

Stage-Based Planning

Eight stages from Survival to Abundance. Each stage has different priorities. The Coach tailors advice to where you actually are, not generic recommendations.

Strategic Investor Coach

The Coach thinks like a sophisticated investor. It compares 2–3 paths for any decision, shows impact on both paths to freedom, and gives you concrete numbers tied to your situation.

• —Side-by-side option comparison with metrics
• —Stage-aware recommendations
• —Career growth and skill-stacking guidance
• —Cold-truth conversations when income is the constraint
• —Non-advisory, educational framing throughout

Complete Budget Tracking

Track income (W-2, 1099, business, rental, dividends), expenses by category, debt with interest rates and payoff dates, and savings across all account types.

• —Multiple income sources with tax handling
• —Essential vs discretionary expense classification
• —Debt avalanche calculations with payoff projections
• —19 savings account types with bucket-based goal tracking
• —Real-time net worth and cash flow

14 End-to-End Scenarios

See how real people use PoisePlan. From a single mom working three jobs to a tech executive making $280K with no plan, find the scenario closest to your situation.

Education ROI Calculator

For when the math says your income is the constraint. Model the lifetime ROI of going back to school or getting a certification. 17+ paths across healthcare, trades, tech, legal, and finance.

Built for Trust

Two-factor authentication for admin accounts. Bank-level encryption for sensitive data. Complete audit logs. Your financial data stays yours.