Finary charges up to €150/year for Finary Plus and requires syncing sensitive bank & brokerage credentials. NovaPlanner gives you an instant, privacy-first Monte Carlo & FIRE cashflow studio for €0—no bank login required.
| Feature | NovaPlanner (novaplanner.app) | Finary (Finary Plus) |
|---|---|---|
| 🌍 1-Click Geo-Arbitrage ("Live & Earn in X → Retire in Y") | 22 Countries (Portugal, Spain, Thailand, Japan, Mexico, UAE…) + Years Saved | Not Built-In (Requires Manual Expense Re-Entry) |
| Annual Subscription Cost | €0 / Free Forever | €150 / year (Requires Bank Account Linking) |
| 500-Run Monte Carlo Engine (P10/P50/P90) | Included Free | Basic Wealth Projection (Paid Tier) |
| Historical Crisis Stress-Testing (1929–2008) | 1929, 1966, 1973, 2000 & 2008 + Guardrails | Not Included |
| Draggable Timeline Milestones & Custom Shocks | Included Free | Paid Tier Only |
| Multi-Currency & Live World Bank CPI Inflation | USD, EUR, GBP, CHF, CAD, AUD, SAR, AED (No Bank Login) | EUR Focus + Bank Sync Required |
| Instant URL Sharing & Year-by-Year CSV Ledger | Included Free (?plan= URL & CSV Export) | Paid Only |
Enter your numbers below to launch directly into the full interactive Monte Carlo & Historical Crisis Studio—100% free and saved automatically.