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.

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.