How NovaPlan Works
Cashflow Flow Visualizer
Map your monthly income (salary, side hustles) against your fixed and discretionary expenses. Instantly calculate your exact savings rate and visual leak points to optimize monthly wealth generation.
Scenario Sandbox Simulator
Compare three growth scenarios side-by-side: Standard Growth, Aggressive FIRE, and Conservative Coast. Model custom investment returns, adjust inflation, and see real purchasing power timelines.
Debt Paydown Comparator
Decide between the Debt Avalanche (high interest rate first) and Debt Snowball (lowest balance first) strategies. Discover exactly how much interest you will save and track your precise debt-free date.
Geo Arbitrage Tracker
Determine your retirement milestones across 20+ countries. Select Coast, Lean, Fat, or standard FIRE parameters and compare local cost of living index, tax brackets, and healthcare costs.
menu_book Fidelity Financial Modeling Engine
NovaPlan uses standard real compounding formulas. The Sandbox calculates inflation-adjusted growth recursively month-by-month: Net Wortht = Net Wortht-1 × (1 + ROI / 12) + Monthly Savings Boost, discounted by the annual inflation rate, giving you clear insights into future wealth valuation.