1. Budget the household
Record both net salaries, recurring expenses and credits. Planicio derives the real monthly capacity left for goals instead of a rough guess.
Guide
Family financial planning: one plan for the whole household
One household, many goals. Here is how family financial planning moves you from a monthly budget to a dated plan covering a home, the children and the years after work.
Start freeFour steps to a family plan
2. Date every goal
A home deposit, a family car, school fees or a safety cushion each become a project with a target date and an inflation-adjusted cost.
3. Plan for the children
Household settings include the number of children, so childcare, schooling and long-horizon education goals sit inside the same plan.
4. Follow one timeline
Milestones update automatically as money comes in, so the whole family looks at the same roadmap instead of scattered spreadsheets.
What a family plan needs
A safety cushion first
Safety projects are never re-priced with inflation, so your emergency target stays the amount you decided on.
Long-horizon goals
Education and retirement sit on the same timeline as short-term projects, so trade-offs are visible before you make them.
Scenarios, not guesses
Balanced, Optimistic and Prudent scenarios show what a raise, parental leave or a slower market does to the same family plan.
Planning as two adults before the children arrive? Read financial planning for couples.
Common questions
Build your family plan today
Set up your household in ten minutes and see every family goal on one timeline.