A monthly budget and a yearly financial plan from Perfient is all you need to stay on track with your personal finances.

Feeds Intelligence

Turn financial newsletter overload into clear, personalized actions.

No more archiving or deleting financial newsletters without reading them because of time, complexity, or volume.

See How It Works

Digest large newsletters from multiple sources into actionable, personalized insights.

Feeds Setup

How to Create Feeds in 3 Steps

Bring long-form newsletters from multiple sources into one stream of concise, actionable insights tailored to your goals.

1. Connect newsletter sources
Forward your subscribed financial newsletters to Perfient email address.
2. Let Perfient summarize and personalize
Perfient extracts key points, filters noise, and maps insights to your portfolio, risk profile, and FI timeline.
3. Act on prioritized insights
Review concise cards with clear takeaways and next actions, then update your plan in minutes.
Perfient Feeds interface showing personalized newsletter insights and actions

Do You Know When You Can Stop Working?

Most people have never calculated their Financial Independence number. Perfient does it for you.

  • → Are you on track for Financial Independence?
  • → How much wealth do you actually need?
  • → What is delaying your FI timeline?
  • → What changes would accelerate it?
Quick FI Estimate

How Many Years Until Your Financial Independence?

Enter three numbers and get your FI timeline in seconds. No sign-up required.

  • Based on the 4% safe withdrawal rule
  • Assumes 7% average annual portfolio growth
  • Your full Financial Plan goes much deeper
Financial Independence
Years to FI
12
FI Target
€950,000
FI Year
2038

See How Others Are Planning Financial Independence

Financial diagnostics — real numbers, real outcomes. See what your picture might look like.

Engineer, 32
FI at 45
Income
€110k/yr
Investments
€180k
Monthly savings
€2,200
FI target
€900k
Saving €500/month more → FI at 43. Avoiding lifestyle creep saves 4 years.
Tech Employee, 35
FI in 17 yrs
Income
€140k + RSUs
Net worth
€420k
Employer stock
65% of portfolio
Employer stock −40% → FI delayed 6 years. Gradual diversification protects the timeline.
Couple, 34 & 33
−6 years
Combined income
€190k
Investments
€240k
Monthly expenses
€4,200
Original FI timeline
25 years
Reducing expenses €600/month + automating investments → new FI timeline: 19 years.
Developer, 40
FI at 60
Income
€95k
Investments
€70k
Monthly savings
€1,300
Without changes
FI at 67
+€700/month savings + bonus investing + tax wrapper optimization → FI at 60. Seven years earlier.
Product Manager, 29
FI at 43
Income
€105k
Investments
€140k
Savings rate
35%
FI target
€750k
Market crash −30% → delay 3 years. Extra €400/month → FI at 41. Current strategy confirmed on track.

How It Works

Three steps to your Financial Independence timeline

1

Enter Your Financial Snapshot

Income, savings, investments, and expenses. Takes about 3 minutes. No bank connection required.

2

Perfient Calculates Your FI Timeline

Using portfolio growth models, savings rate analysis, and withdrawal projections to find your exact FI date.

3

Get Your Personalized Financial Plan

A clear, actionable roadmap that shows exactly how to accelerate your Financial Independence.

4

Optional: Review with a Certified Financial Planner

Request async review with a CFP to validate your plan, ask questions, and refine your strategy — at a special rate for Perfient users.

Your Personalized Financial Plan Includes

Everything you need to understand and accelerate your path to Financial Independence

📅

Years to Financial Independence

Your exact FI timeline based on your current savings rate, investment portfolio, and projected returns.

🎯

FI Target Wealth Number

The exact amount you need to achieve financial independence, personalized to your income and lifestyle.

📊

Scenario Simulations

Model different paths — what if you save more, spend less, or change your investment allocation?

📈

Portfolio Allocation Analysis

Review your current allocation and understand how to optimize it for your FI timeline.

⚡

Top 3 Actions to Accelerate FI

Specific, prioritized steps that will have the most impact on bringing your FI date closer.

🛡️

Risk Exposure Analysis

Identify concentration risks, sequence-of-returns risks, and other threats to your FI timeline.

Takes 3 minutes • No bank connection required

Real Example

Sample Financial Plan Preview

See exactly what you receive — a 15–20 page personalized plan covering your FI timeline, scenarios, portfolio analysis, and top actions.

  • FI timeline with year-by-year projections
  • Net worth and savings rate analysis
  • Scenario comparisons (conservative, base, optimistic)
  • Portfolio allocation review and recommendations
  • Top 3 prioritized actions to reach FI faster
View Sample Financial Plan (PDF)
Perfient Financial Plan
Confidential • For Illustration Only
Financial Independence Summary
FI Target
€950,000
Years to FI
12 years
Savings Rate
32%
FI Year
2038
Top 3 Actions
  1. Increase monthly savings by €400
  2. Rebalance to 80/20 equity allocation
  3. Invest year-end bonus into index funds
15–20 pages • Scenarios • Portfolio Analysis • Risk Review
Step-by-Step Guide

How to Create Your Financial Plan

Watch this step-by-step guide on creating your personalized FI financial plan with Perfient.

  • Create your financial profile in minutes
  • Generate a comprehensive financial plan
  • Track your action items and update its status
  • Optional review with Certified Financial Planner (CFP)

Not Another Generic Finance Calculator

Perfient is built specifically for Financial Independence planning — not generic budgeting or expense tracking.

Complete Snapshot

Your Entire Financial Picture

Income, expenses, assets, liabilities, and investments — all in one place to calculate your true FI timeline.

FI Projection Engine

Accurate Timeline Modeling

Portfolio growth projections, safe withdrawal rate analysis, and scenario modeling give you a reliable FI date.

Actionable Insight

Not Just Numbers — A Plan

Perfient translates your data into specific actions: save more here, reallocate there, and reach FI years sooner.

Built on Trust & Transparency

Your financial data deserves the highest standards of security and privacy

🚫

Data Never Sold

Your financial information is never sold, shared, or monetized. Perfient is funded by subscriptions, not data.

🔒

Secure Calculations

256-bit encryption and client-side processing keep your numbers private. We never store sensitive data on our servers.

🏦

No Brokerage Access Required

You enter your numbers manually. No account linking, no open banking connections, no read access to your accounts.

📚

Educational Tool, Not Advice

Perfient is a planning and education tool. It helps you understand your situation — decisions remain yours.

Contact the Perfient Team

Share a question or request.

Direct channel

Prefer a quick note?

Tell us what you need — onboarding help, roadmap questions, security clarifications, or new features.

  • Optional email means we can follow up directly.

See Your Financial Independence Timeline

Generate your personalized Financial Plan in 3 minutes. No bank connection required.