Personal Finance Projection Tool

User-friendly spreadsheet replacement for personal financial planning and projections. Helps individuals forecast savings, investments, and major life expenses without complex Excel formulas. Targets everyday people managing personal finances.

Rising interest rates and post-pandemic savings anxiety have pushed personal finance into mainstream conversation, but most people still bounce between underpowered budgeting apps and intimidating spreadsheets — the gap is real. Mint's shutdown in 2023 left a genuine user base looking for alternatives, and tools like Monarch Money and Copilot have moved upmarket toward subscription-heavy power users, leaving casual planners underserved. The $2k–$10k/mo revenue band is plausible but tight: consumer fintech historically struggles with willingness to pay, and converting free users to $8–15/mo subscriptions requires unusually strong retention tied to ongoing value, not just onboarding. The biggest risk is commoditization — spreadsheet templates, ChatGPT prompts, and free tools like Google Sheets with pre-built finance templates are a single search away, making differentiation on simplicity alone a fragile moat.