Can you afford your future?
Plan the most important financial decisions of your life — with realistic scenarios, cashflow forecasts and wealth projections.
This is what clarity feels like
What do you want to plan?
Choose the topic on your mind today — and find clarity for the next 30 years.
One decision changes your entire life.
A home purchase shifts your FIRE plans. A child changes your savings rate. Planora calculates all decisions together — not in isolation.
What you find out with Planora
Not features. Answers to the questions that keep you up at night.
Compare scenarios
"What if I buy the house?" vs. "What if I rent and invest?" — both paths side by side.
Cashflow for decades
When does the money run out? When does it overflow? See it month by month — 30 years ahead.
Understand wealth growth
How do compound interest, savings rate and big expenses interact? See the curve, not the Excel cell.
Decide with clarity
Gut feeling backed by numbers. No more "hopefully it will be enough".
Your financial data is sensitive. We know that.
Planora is built from the ground up for maximum security — no ad networks, no US cloud, no trackers.
GDPR-compliant
Fully compliant with German and EU data protection regulations.
Hosting in Germany/EU
Data processing exclusively on European servers.
Encrypted transmission
TLS 1.3 end-to-end — no unencrypted data transfer.
Password protection with bcrypt
Industry-standard hashing. Even we can’t see your password.
No ad trackers
No Google Analytics, no Meta Pixel, no profiling.
Built in Germany
Made in Germany — from scratch, without external investors.
Choose the plan that fits your financial journey
Start with 14 days free, then decide if Planora is the right tool for your financial future.
Basic
Clarity & control over your money
€49.90 per year
- Financial planning
- Wealth overview
- Cashflow forecasts
- Basic scenario planning
Pro
Plan your financial future in detail
€79.90 per year
- Everything in Basic
- Unlimited scenarios
- Home ownership planning
- Family planning
- Career planning
- FIRE simulations
- Retirement planning
- Long-term wealth forecasts
No credit card required
Who is Planora Pro for?
No matter which life decision you're facing — Planora calculates the consequences for you.
Try Planora free for 14 days.
No long-term commitment. Cancel anytime.
Why I built Planora
I spent hours in Excel sheets with countless cells, formulas and tabs — and in the end I still didn’t know: "Can I really afford this now?"
Home purchase, family planning, sabbatical, retirement — every decision shifts the whole system. A single spreadsheet will never cleanly capture that.
So I built a tool for myself. One that honestly shows long-term financial consequences — not in the form of buzzwords, but as realistic scenarios.
Planora is exactly what I wish I had back then.
Nico · Founder of Planora
Make financial decisions with clarity
Understand today how your decisions impact the next decades.
14-day Pro trial · No credit card required