Path & Penny
Free financial independence planning beta

A little curiosity.
A different future.

More time off? A new job? A little person? See how life's big moves change your money, and when you could be financially independent.

No spreadsheets to build. No bank login needed.
ONE SMALL WHAT-IF / ILLUSTRATIVE EXAMPLEA playful winding path through a home, trees, and a bridge to new possibilities
A little more breathing room.

What if you brought home $500 more each month?

Saved each month before$2,000
With the change$2,500
Explore a complete sample life
No bank connection requiredTransparent assumptionsMath you can inspect
SEE IT IN ACTION / 2 MIN 19 SEC

Understand the trade-off.

The house. The car. What happens to Alex's plan?

Fictional example. Simplified assumptions, not a forecast of your results.

Try a life like yours
A GOOD PLACE TO BEGIN

Free planning beta.

Manual entry, life-event modeling, comparisons, projections, and data export. No credit card required.

Curious, not certain.

This is US-focused educational planning, not financial advice. Returns, taxes, and withdrawal calculations are assumptions and simplified models, not promises.

Bank connections, shared household accounts, and paid subscriptions are not part of this beta. We will announce pricing before offering a paid plan.