PINCH & PROSPER From Pinch to Prosper
A calmer way to understand your retirement
You don’t need another spreadsheet, and you don’t need an expensive financial advisor to start planning. You just need tools for financial planning that don’t suck. You got this…
Most planning tools ask for a lot upfront. Your data. Your attention. Your trust. Some even push you toward advice you didn’t ask for
A clearer way to plan, without the usual baggage
Pinch & Prosper takes a different approach
- You don’t need to link your bank accounts
- You don’t need to speak to an advisor
- You don’t need to commit before you’re ready
Instead, you get a private space to map out your future, test assumptions, and spot potential gaps, all at your own pace. Nothing hidden. Nothing tracking you from behind the screen. Just tools designed to help you think things through properly
Because planning works better when you feel calm, informed, and in control
THE PINCH & PROSPER DIFFERENCE
Why choose Pinch & Prosper?
Private by Design
No bank linking. No surveillance. No data harvesting. You decide what information to include and when. Planning works better when it feels safe
Built for Real Life
Not every future fits a neat template. Whether your plans stay local or cross borders, Pinch & Prosper adapts as life changes
No Pressure or Agenda
There are no advisors waiting in the wings and no upsells baked into the experience. You move forward at your own pace
Complexity Clarity
You don’t need another spreadsheet or a finance degree. See the bigger picture without unnecessary noise
Fair, Flexible Pricing
Start free. Add features only when they’re useful. Pay for what you need, not what you’re pushed toward
Reduce Blind Spots
Highlight common gaps people miss when planning alone and think things through before they become problems
Ready When You Are
You don’t need to have everything figured out to begin. You just need a place to start. And Pinch & Prosper helps you move from uncertainty to clarity, one thoughtful step at a time
Frequently Asked Questions
What types of Assets, Liabilities, Income Sources, and Goals can we capture?
The selection varies based on the home country for each plan. For Multi-Region plans; also called ‘Expat’ plans for those planning live abroad; you can use a mix of record types from each country
Assets range from generic to country-specific banking, retirements, savings, and investment accounts
For example… In Germany, you may wish to capture your accounts for Gesetzliche Rentenversicherung (Statutory pension), Betriebliche Altersvorsorge (bAV) (Company pension), Riester-Rente (Riester pension), etc.
Liabilities range from common expenses like groceries and utilities, but also include more specific concerns like insurance, homeowner fees, and more
For example… In Germany, you might capture payments for Private Health Insurance from providers like Allianz Private Krankenversicherung, membership fees for Edeka, Rewe, Kaufland, along with more typical things like spending at your local Grocery store like Aldi, Lidl, etc.
Income Sources range from Job income and pensions to side-hustles
For example… In Germany, you could account for Old-Age Pension (Altersrente), Basic Pension (Grundrente), Survivors' / Bereavement Pensions (Hinterbliebenenrente), Disability / Reduced Earning Capacity Pension (Erwerbsminderungsrente), income from your private pension, etc.
Goals range from holiday savings, travel expenses, and opportunities to prepare for surprise expenses
Do I need to link my bank accounts?
No, and we don’t recommend connecting your financial accounts to any service. While it may save a little time, it’s not worth the risk. Keep your records safe and secure
How many of my details are required?
The more you put into your plan the more realistic the results will be. We encourage members to take the time to add as many of the incoming and outgoing financial and benefit concerns as they have (or can predict). With that said… We do not need any personal details about your identity and there is no need to supply information on your personal financial accounts, keep those details safe
TLDR?
Lol… Not everything can be explained in a couple words but we try to keep things from being too long
If you’ve been putting this off, you’re not alone
Most people don’t avoid retirement planning because they don’t care. They avoid it because it feels overwhelming, intimidating, or loaded with pressure they didn’t ask for
You’re expected to understand projections, assumptions, and long-term trade-offs, often through tools that feel cold, complicated, or trying to sell you something. That’s enough to make anyone step back
Pinch & Prosper was built for people who feel stuck at the starting line. Not to rush you. Not to lecture you. But to help you see where you stand, clearly and privately, so you can decide what comes next
