Financial planning you can act on

Make money decisions with clarity, not guesswork

Map out your finances, test different paths, and see what actually works.

Should you buy or keep renting? Have kids now or later? Retire at 55 or 60? Sonalflow lets you build the plan, run the scenarios, and compare the outcomes.

Sonalflow flow editor — visual financial planning canvas with simulation results

How it works

From question to answer

Build your plan

Lay out your income, expenses, savings, and the big life events on your horizon. Keep things flexible — not everything needs to be a fixed number.

Test what could happen

Run projections across thousands of possible outcomes. See where you're likely to land, where the risks are, and how wide the range really is.

Make the call

Compare scenarios side by side. Buy this year or next? Have kids now or later? See the trade-offs with real numbers — then decide with confidence.

Features

Everything you need to plan with confidence

Simple enough for your first plan. Powerful enough when life gets complicated. And honestly? Kind of fun.

Drag-and-drop flow editor

Build your financial plan like a flowchart. Drag in your income, rent, investments, and savings — then connect them to see how money moves through your life. No formulas, no spreadsheets.

What-if simulations

Pro

Real life isn't predictable — your plan shouldn't pretend it is. Add realistic ranges to any number (market returns, salary growth, expenses) and run thousands of simulations to see outcomes from worst case to best case.

Side-by-side scenarios

Should you buy or rent? Pay off debt or invest? Create multiple plans and compare them under the same conditions — so you can see which decision actually comes out ahead when life throws curveballs.

Find what drives your outcome

Pro

Not all variables matter equally. This feature automatically ranks which inputs have the biggest impact on your results — so you know exactly where to focus your attention and what you can safely ignore.

Export & share

Download projections as CSV or PDF. Share with your partner, hand to your financial advisor, or keep for your records.

Expressions & variables

Reference any part of your plan inside formulas — like $savings * 0.03 for interest, or $income - $expenses for cash flow. Build sophisticated financial logic that stays readable, no spreadsheet skills required.

Pricing

Free to start. Upgrade when you're ready.

Free

$0/mo

Everything you need to start planning.

Visual flow editor
Expressions & variable references
Basic cashflow projection
3 scenarios
CSV export

Pro

For when one guess isn't enough.

Uncertainty analysis (Monte Carlo simulations)
Stochastic functions: uniform()/normal()
Unlimited scenarios

FAQ

Frequently asked questions

Every big money decision deserves more than a gut feeling

Build your plan. Test the options. See what works. Your first scenario is free.