PINCH & PROSPER How It Works
You don’t need to do everything at once. Pinch & Prosper is designed to let you build clarity gradually, adjusting as life changes
Create your account
Getting started is free. You can explore the platform, build an initial plan, and see how everything works before deciding whether you want to subscribe. There’s no pressure to commit early
Set up your plan
Choose whether you’re planning for a single region or across multiple countries. This helps shape assumptions around currency, costs, and future living expenses. If your plans change later, you can update this at any time
Add the details that matter
Build your plan using information about your assets, liabilities, income, and expected expenses, now or in the future. You don’t need to get everything perfect upfront. You can add, update, or refine details as things change, including household members or pets. Pinch & Prosper guides you through common inputs so nothing important is overlooked
Refine assumptions over time
As your plan takes shape, you can adjust for taxes, fees, inflation, and other factors that affect long-term outcomes. The goal isn’t precision for its own sake. It’s understanding how different variables influence the bigger picture
Explore deeper insights
Subscribers can access deeper analysis to help identify blind spots, risks, and assumptions that may impact how long their savings last. These insights are designed to support better decisions, not push upgrades or advice
Revisit and adjust as life evolves
Over time, Pinch & Prosper can surface reminders of things you may want to revisit, based on how your plan develops. These aren’t sales prompts. They’re practical nudges to help you stay aware as circumstances change
What You Won’t Be Asked To Do
You WON’T be asked to link your bank accounts
You WON’T be asked for sensitive identity details beyond what’s required for billing
You WON’T be pressured into decisions before you’re ready
Start where you are
You don’t need a perfect plan to begin. You just need a clear place to start. Pinch & Prosper helps you move forward thoughtfully, one decision 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
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
TLDR?
Lol… Not everything can be explained in a couple words but we try to keep things from being too long
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
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
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
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
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
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