PerfingoThe app · Plans
Keep more than one future open.
Keep several named plans. Duplicate one to test changes, then switch between them without losing the original.
Cancel before day 14, no charge
A base plan, a scenario, one per goal.
Plans is a plain list. Each row shows a name, an edit date and two badges. Tap one and the whole app switches to it. There is no limit on how many you keep.
Switch which plan you're working on, or keep a few side by side.
- BasePlan of recordActive
- Buy condo earlier
- Base (copy)
Illustrative. Names are examples. A new plan arrives called "My plan" until you rename it.
What you can do with a plan
Four actions. Nothing clever.
There are no folders, tags or archive, and no side-by-side comparison. A simpler list means more time on your money, less on organising it.
New plan
A fresh plan from scratch. It's called "My plan" until you rename it, which most people do right away.
Duplicate
Copies the plan's inputs into a new plan called "(copy)". Experiment there and the original stays untouched.
Set as plan of record
Marks one plan as the official one. Only the owner can do this, so an advisor can propose a plan but never promote it over your head.
Delete, with an undo
A soft delete, with an undo in the confirmation. You also can't delete your last plan. Perfingo always keeps at least one.
Try it now, keep nothing.
- Forks the plan you are in, in memory
- A banner across the app while it is open
- Apply writes it back, Discard throws it away
- Switch plans and the fork is gone
Keep it, and come back to it.
- A real second plan in the list
- Survives switching, closing, tomorrow
- Its own version history and notes
- Can be promoted to plan of record
Two different questions, two different tools.
The what-if sandbox is for the question you want answered in the next thirty seconds. It sits on top of the plan you're in and disappears when you're done. If the answer's worth keeping, that's what a second plan is for.
The part that surprises people
Every plan is measured against the same real life.
Your plans differ in their assumptions. They do not differ in what actually happened.
Plans hold assumptions
Income, expenses, CPF, housing, goals, insurance, family plans. Change one plan and the others stay untouched. That's the point of having more than one.
Your household holds the facts
Balances, holdings, trades and imported transactions belong to the household, not to a plan. Every scenario is scored against the same actuals. A second plan is never a second set of books.
Saving more than one plan needs an account. Everything else works the same signed in or out.
Where to find it
One list, two doors.
On a wide screen
A Plans row in the sidebar, under the plan modules.
On a phone
Behind the overflow menu on the top bar. The five-tab dock stays as it is, because switching plans is not something you do daily.
Hold the plan, and the alternative.
Keep the future you're working towards, and the one you're still wondering about. No need to choose today.
Cancel before day 14, no charge