No account linking necessary.
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 | ✓ | ✕ | ✕ |
Free calculators you can use without creating an account. Good for quick answers on specific questions.
Answer a few questions about your debt, savings, and employer match. Takes about two minutes.
See how much employer match you may be missing and what it costs you over time.
See your real savings rate and how it compares to common retirement benchmarks.
Build your budget and savings plan at no cost. Add retirement projections and scenario planning with Pro.
No credit card required
Cancel anytime from your profile
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 31-day trial, your account reverts to the Free plan automatically. You keep your saved budget and savings goals but lose access to the Retirement Visualizer, Goal Tracker, and full Plan Summary until you subscribe to Pro. You can subscribe anytime and cancel anytime from your profile settings.
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 $7/month.
