PINCH & PROSPER About Pinch & Prosper
Built for people who want clarity without pressure
Pinch & Prosper is a family-run business focused on helping everyday people plan their financial future in a calm, private, and realistic way. We didn’t build Pinch & Prosper for finance professionals or high-net-worth investors. We built it for people who want to understand where they stand, without needing a degree in economics or a tolerance for sales pressure. People like you
Why Pinch & Prosper Exists
Planning for the future shouldn’t feel intimidating or exploitative
Too many tools assume you’re comfortable handing over sensitive information, linking accounts, or being guided toward advice you didn’t ask for. Others overwhelm you with complexity, spreadsheets, or assumptions that don’t reflect how real life works
We wanted something different. A place where you can think things through quietly. Test assumptions. Adjust plans over time. And move forward without being rushed or watched
How We Think About Planning
Good planning isn’t about predicting the future. It’s about being prepared for change
Pinch & Prosper is designed to help you:
- Use plain language instead of jargon
- Understand how different choices affect the long-term picture
- Spot common gaps and blind spots before they become problems
- Adapt your plans as life evolves, instead of starting over
Whether your future stays close to home or spans more than one country, planning should reflect how you actually live
Build a free trial plan, explore how the platform works, and get a clearer view of your unique retirement picture. There’s no obligation to subscribe and no pressure to continue. This is simply a way to see where you stand
What We Won’t Do
Some things matter enough to be clear about
We WON’T sell your data
We WON’T require bank account linking
We WON’T push unnecessary upgrades or advice
We WON’T pretend there’s one “right” way to plan
Our role is to give you visibility and tools. The decisions are always yours
Planning, On Your Terms
Pinch & Prosper exists to support you before retirement AND through it, without pressure or pretense. Because confidence doesn’t come from having all the answers. It comes from finally being able to see the full picture
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
Liabilities range from common expenses like groceries and utilities, but also include more specific concerns like insurance, homeowner fees, and more
Income Sources range from Job income and pensions to side-hustles
Goals range from holiday savings, travel expenses, and opportunities to prepare for surprise expenses
What if I live or plan to retire in more than one country?
Whether you are an Expat living abroad full time or someone living abroad for select seasons, Pinch & Prosper supports multi-region and multi-currency planning, so your plan reflects how you actually live
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
Can I share my plan with others?
Whether it is your Family, Accountant, or Professional Financial Advisor, you can securely share your plan as needed and revoke access at any time
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
Can I share my plan with someone I trust?
Yes. You can securely share your plan with family members or a financial professional and revoke access at any time
TLDR?
Lol… Not everything can be explained in a couple words but we try to keep things from being too long
Is Pinch & Prosper a budgeting app?
No. It’s a self-guided retirement planning tool designed to assists you in closing the gaps in your financial and retirement plans. No spreadsheets, no panic or pressure. No spiritual financial gurus to trick or confuse you. We’ll shine a light on key details and concerns so you can decide how to handle things in the future
Do I need a professional Financial Advisor?
The legal and practical definition of a ‘Financial Advisor’ varies widely from country to country so make sure you have a clear view of the term as you navigate the topic. Depending on the complexity of your situation; if you feel like you cannot handle your own Plans; you might want to find Professional assistance. Regardless, you’ll still need to gather your details and become informed on key topics and concerns so you can ensure your Plans are handled reasonably. We can help you get started and then you can Invite a Professional advisor into your Plan