Built for sovereign wealth builders who demand absolute privacy.
ProjectionPlan was created to solve a fundamental industry contradiction: modern personal finance tools force you to rent your own financial history through costly annual subscriptions while exposing your bank credentials to cloud aggregators. We engineered an institutional-grade simulation engine that runs entirely on your phone.
The Three Industry Problems We Solve
Plaid & Aggregator Fatigue
Mainstream apps rely on cloud aggregators that break frequently, trigger endless multi-factor authentication loops, duplicate transactions, and store credentials on centralized servers. ProjectionPlan parses standard offline CSV statements locally with zero cloud dependencies.
Rear-View vs. Forward Modeling
Existing apps categorize what you spent last month, but fail at predictive modeling. ProjectionPlan functions as a forward simulation sandbox with parametric sliders to simulate future FIRE milestones, debt elimination dates, and daily safe-to-spend limits.
Severe Subscription Drain
Leading budget tools (Monarch Money, YNAB, Copilot) charge $99 to $120+ every year. ProjectionPlan operates on a clean, one-time lifetime license ($19.99 USD) with free updates and zero recurring fees.
Our Core Architectural Pillars
100% Offline-First & Air-Gapped
Your complete financial life runs inside your device's isolated OS application sandbox. All accounts, transactions, and scenarios are stored in a local SQLite database encrypted with native OS File-Based Encryption (FBE). Zero financial telemetry is transmitted over the internet.
Deterministic Mathematical Integrity
We use the continuous Fisher Equation (r_real = (r_nominal - i_inflation) / (1 + i_inflation)) to calculate true inflation-adjusted compound returns over 40-year projection horizons. Our Debt Cascade engine calculates the exact interest dollars and calendar months saved between Avalanche and Snowball.
Anti-Subscription Lifetime License
Personal finance software should build your net worth, not bleed it through recurring charges. ProjectionPlan costs a single, non-consumable $19.99 USD one-time lifetime fee with free updates, contrasting with $99–$120/year cloud subscriptions.
Zero Bank Logins (Zero Plaid/MX)
We refuse to store your banking credentials in central cloud honey pots. Instead, our local RFC 4180 streaming statement parser sniffs delimiters and auto-detects 15+ global date formats, categorizing standard bank CSV exports entirely on-device.
Crafted by engineers committed to user sovereignty.
ProjectionPlan was founded by Sawan Bhardwaj, a software architect passionate about local-first software, cryptographic security, and deterministic modeling. Headquartered in Bengaluru, Karnataka, India, the project was born out of personal frustration with invasive financial SaaS platforms.
Our engineering guideline is strict: the software must function flawlessly without any internet connection, store data exclusively on-device, and never incorporate third-party tracking scripts.
Quick Facts
- Product: ProjectionPlan
- Platforms: Android (Fall 2026), iOS
- Storage: SQLite with FBE
- Pricing: $19.99 USD Lifetime
- Cloud Telemetry: Zero bytes
Ready to simulate your financial freedom?
Join the waitlist to receive launch day access on Google Play and claim early-bird pricing.