Everything You Need in One Platform
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Trinity Study Retirement Planner
Calculate when you'll reach financial independence with methodology validated by 75 years of historical data. Includes interactive heatmap, scenario variance, and 7 different visualizations.
Monte Carlo Retirement Simulator
10,000 simulations of different market scenarios to calculate your real probability of success. Visualize result distribution, percentiles, and success rate adjusted for volatility.
International Retirement Simulator
Plan to retire in another country with geographic arbitrage. Compare 20+ destinations considering real cost of living, taxes, visa requirements, and healthcare quality. Discover where your capital yields 2-3x more.
Coast FIRE Calculator
Calculate how much capital you need TODAY to be able to work part-time (or a lower-paid job you love) and still reach your retirement goal. Discover your "magic number" for partial freedom.
Debt Payoff Calculator
Have multiple debts? Calculate the optimal strategy: avalanche (highest interest first) vs snowball (lowest balance first). Project how much you save in interest and when you'll be debt-free.
Mortgage & Purchase Simulator
Compare buying vs renting with real numbers. Analyze different rates (fixed vs variable), terms (10-30 years), and prepayments. Calculate total real cost including alternative investment opportunity.
Multi-Scenario Comparator
Save unlimited simulations and compare them side by side (up to 10 at once). Visualize differences in time, required capital, and returns. Make informed decisions by seeing all your scenarios simultaneously.
Expense Analyzer
Upload photos of receipts, bank statements, or invoices. AI automatically categorizes your expenses, identifies spending patterns, and highlights areas where you spend above average compared to similar households.
Unlimited Simulation History
Save every simulation you make, organize them by goals (retirement, house, education), and access your complete history to see your evolution over time.
Professional PDF Reports
Export your simulations in professional-quality reports with all charts, tables, and analysis. Perfect for sharing with partner, advisor, or for your personal planning archive.
Finances Distilled
Every month we distill academic papers, books, and expert talks into actionable formats: 10-minute videos, visual infographics, gym audio, and executive summaries. Save 20+ hours of monthly reading.
Emergency Fund Calculator
Determine your ideal financial cushion based on your fixed expenses, employment type, dependents, and risk tolerance. Includes construction timeline and strategies for where to keep the fund.
Ready to take control of your financial future?
Start with our free retirement calculatorPricing
Simple: everything we've built is free while we test the idea. If Frugalist helps you, you can support it - that's it.
Free while we test the idea
Planned after the beta: $20/month or $60/year
No paywall, no card, no limits. We want to know if Frugalist genuinely helps people before charging anyone for anything.
Coming soon
or $60/year · nothing is charged today
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