Idea 1
F-you money
How long your money would carry you if you walked away from work: the freedom to say no, measured in months.
Try it on F-you money
's money lasts
Loading…
When could you stop?
How long would your money last if you stopped working?
Most people have never worked it out. Fininaid is where you learn how, with your own numbers, one what-if at a time, and keep learning as your life changes.
If stopped working, the money would last about
That's F-you money, the first idea below. Change one number, and the answer changes with it.
The ideas
Six ideas, each one you can try
Each idea has a page that works it out from your own numbers, and Learn has short articles on them. Here they are with 's.
Idea 2
Nobody knows the future return, so compare three
The same numbers, run with a bad, an expected and a good average return, show how much your stop age depends on markets.
Try it on FI path
The earliest age could stop working. Each bar is the years of work still ahead, out of the years to the pension.
Idea 3
Small habits add up
What if you lived on a little less of your pay and invested the rest? See what each extra percent could be worth over the years.
Try it on The 10% habit
Idea 4
Big decisions, explored before they're made
A car, a home, a move abroad, a year off: run each one through the same numbers and compare it with not doing it.
Idea 5 · Try it here
A small fee, a big difference
A fund's yearly fee looks small, but what it takes every year stops growing. Move Robin's fee and see what's left at .
Members try it on their own numbers on What fees cost you
With this fee
Idea 6 · Analysis Members
What if the years ahead were like the past?
Your numbers replayed through every start year since 1965: which ones your money would have lasted through, what made the hard ones hard, and what a change could have done, a move you saved on Relocation too. Or the same years shuffled into 1,000 made-up futures, to see how often your money lasts when a bad run can come at any time.
Members try it on Historical and Possible futures
How you learn
Rough numbers, one change at a time
- 1
Put in rough numbers
Once, on Your money. Round figures are fine.
- 2
Change one thing
Spend a little less, invest a little more, take a year off.
- 3
See what changes
Every page follows, so you see which habits matter most.
- 4
Learn why
A short article, or ask AI to explain what you see.
- 5
Come back
Save your numbers each month and watch your what-ifs move.
Ask AI explains, like a tutor
Claude, an AI model from Anthropic, explains the page you're on from your numbers and the context you choose to give it: what drives the result, what it leaves out, and what to try next. It never tells you what to do with your money.
An example, for on FI path
Try next: lower the expected return by one point and see how far the stop age moves.
Free trial and membership
Learn with your own numbers
Members pay for Fininaid, not advertisers. Nothing is charged when the trial ends: you choose whether to join, and can turn renewal off any time and keep access to the end of the year you paid for.
- First
- Free, no card. Every what-if page, all of Learn, and short Ask AI answers. Historical, Possible futures, What fees cost you and Check the warning signs are for members.
- Then a year Joining opens soon
- VAT included. Everything, with Historical, Possible futures, What fees cost you, Check the warning signs and Ask AI answers a year from its more thorough tutor.
What it costs
Without Fininaid
With Fininaid
| Free trial | Member | After the trial, without joining | |
|---|---|---|---|
| Every what-if page | Yes | Yes | Read what you last saved |
| Saving and changing your numbers | Yes | Yes | No |
| Historical, for members only: your numbers replayed through past years | No: a preview of it | Yes, with a move you saved too | No: a preview of it |
| Possible futures, for members only: your numbers through 1,000 futures made of real past years | No: a preview of it | Yes, with a move you saved too | No: a preview of it |
| What fees cost you, for members only: your numbers with any yearly fee | No: a preview of it | Yes | No: a preview of it |
| Check the warning signs, for members only: the signs of a scam Ask AI sees in your story | No: the first steps, and an example | Yes | No: the first steps, and an example |
| Your progress, month by month | Yes | Yes | Read what you saved |
| Ask AI | short answers | answers a year, each the full explanation | Read your past answers |
| Learn | Every article | Every article | The start of each article |
| A copy of your data | One every 3 months | One every 3 months | One every 3 months |
| Deleting your data | Any time | Any time | Any time |
| Price | Free, no card | a year, VAT included | Nothing |
Your data
Your numbers are yours
What Fininaid does with your data, in plain words. The privacy notice has the detail.
Kept in the EU
Your data is stored with Amazon Web Services in Frankfurt, Germany, and backed up there.
Never sold, no adverts
Fininaid is paid for by members, not advertisers. Your data isn't sold, or shared with anyone for their own use.
No trackers
Every page, script and font comes from Fininaid itself, so visiting tells no other company you were here.
Ask AI sees numbers, not you
Anthropic gets the page's figures and the context you wrote, never your name or email, and doesn't train its models on them.
Your card stays with the payment provider
Fininaid never sees or stores card details.
Leave whenever you like
Download a copy of everything Fininaid holds about you, or delete your account, from the Account page.
Questions
Do I need a card for the trial?
No. The trial starts when you first sign in, and ends by itself after . Nothing is charged unless you choose to join.
What happens when the trial ends?
You can still sign in, get a copy of your data and delete it. Saving, trying new numbers, Historical, Possible futures, What fees cost you, Check the warning signs, Ask AI and Learn's articles in full need a membership.
Is VAT included?
Yes: a year is what you pay, VAT included, in euros. Payments are handled by Fininaid's payment provider.
How many Ask AI answers do I get?
in the trial, and in each year of membership, counted from the day you join. Ask AI shows how many you have left.
How do I cancel?
Turn renewal off on the Account page. Your membership lasts to the end of the year you paid for, and nothing more is charged.
What if a renewal payment doesn't go through?
Your membership carries on for after the renewal date while the payment provider tries again, and the Account page lets you update your payment details.
Can the price change?
If it does, members are told by email at least before their next renewal, with how to turn renewal off, and the new price applies from that renewal. The terms of use say so.
Is this financial advice?
No. Fininaid is for education only: it works out what-ifs from the numbers you give it, so you can learn and compare. Decisions are yours; for advice about your situation, see a licensed adviser.