Most people budget but have no plan. Waterfall connects your spending to your savings goals to your long-term future -- so you stop guessing and start seeing. Full plan in about 30 minutes. No bank login required.
Each stage builds on the last. Finish all three and you have a full financial roadmap.
Enter income and expenses in the Budget Builder, then see exactly where your money goes in the Budget Review.
Allocate savings across goals in Savings Goals, then review the full picture in your Plan Summary.
Model retirement spending and custom scenarios in the Retirement Visualizer, then track progress with the Goal Tracker.
Most apps watch where money went. Waterfall helps you decide where it goes next.
| Waterfall | Competing Apps | Your Spreadsheet, Probably | |
|---|---|---|---|
| No bank linking required | ✓ | ✕ | ✕ |
| Auto tax calculation | ✓ | ✕ | ✕ |
| Forward-looking budget | ✓ | ✕ | ✕ |
| Savings goal allocation | ✓ | ✓ | ✕ |
| See how much you can spend in retirement | ✓ | ✕ | ✓ |
| Financial plan in ~30 min | ✓ | ✕ | ✕ |
Build your budget and savings plan at no cost. Add retirement projections and scenario planning with Pro.
No credit card required
That is about $5/month -- Cancel anytime
Everything in Free, plus:
No. Waterfall Planning never asks for bank or brokerage credentials. You enter your own numbers, which means your financial data stays completely under your control.
Most users complete all three stages -- budget, savings goals, and retirement projections -- in about 30 minutes.
No. Waterfall Planning is an educational planning tool. It does not recommend specific investments, funds, or strategies. For personalized investment advice, consult a qualified financial professional.
After your free trial, the plan will process your payment. You can cancel anytime from your profile settings. Payments processed according to agreed upon terms
Yes. We use industry-standard encryption. And since we never connect to your bank or brokerage, there are no credentials to steal. See our Privacy Policy for details.
Absolutely. Every tool lets you update your inputs at any time. Your plan summary and projections recalculate automatically.
No bank linking. No credit card. Just a clear, detailed plan you build yourself.
Create Free AccountFree forever. Pro plans from $15/quarter.