Budgeting that looks forward, not back

Simulate the decision before you make it.

TidalPlan isn’t another expense tracker. It answers one everyday money question at a time — and shows what your choice does to the goals you actually care about.

Free forever for one goal. No card required.

Two features no budgeting app has

Most apps show you the past. TidalPlan hands you the future — solved, and playable.

The Move

Stop guessing. The app finds your fastest path.

One tap searches thousands of versions of your spending and hands back the single plan that reaches every goal soonest — in your real numbers.

Find my move
Your freedom date moves up by
3 yrs 1 mo
Jun 2033 May 2030
Trim €240/mo from Eating out20 mo sooner
Trim €180/mo from Shopping9 mo sooner
Tide Map

Play your life forward. Race two futures.

Stack a raise, a baby, a big move — slide them through the years and watch your freedom date ripple. Pit Plan A against Plan B and see which one wins.

Open the Tide Map
Plan APlan B📈👶
Plan B wins by 8 months

Three ideas you won’t find together anywhere else

Other apps bury what-ifs in spreadsheets. TidalPlan makes the trade-off the whole experience.

Decision Simulator

One decision at a time, in plain language

No dashboards to read. Type what you’re weighing, and TidalPlan tells you exactly what it does to your goals — in a sentence, grounded in your real numbers.

You ask:
“Can I afford a car?”
This lowers your monthly savings to €250, pushing “House deposit” from Mar 2027 to Nov 2027.
Mar '27
Nov '27
Goal Gravity

Watch your goals compete for the same money

Your goals are orbs pulled by how much cash they claim. Nudge a spending slider and they reshuffle in real time — so trade-offs are something you feel, not calculate.

Free cash flow
Life Events Library

Start from a real-life moment

A raise, a baby, a move. Pick the moment and the simulator fills itself in — edit the numbers, then run it.

📈Got a raise
👶Having a baby
🚗Buying a car
📦Moving city
💻Going freelance

“I finally understood why I never hit my savings goal — in about ninety seconds.”

— beta user (your testimonial here)

Make your next money decision with your eyes open.

Set your baseline once. Then simulate anything — a raise, a move, a big purchase — and see the ripple.