The operating system for a wealthy life.
Financial independence was the hard part. Designing the life it buys is the real work. Enough helps you do both.
Less than one session with a financial advisor. More than any planning app can offer.
Navigator is your personal CFO — it masters the money dimension. Architect is your personal CFO + life architect, across all 10 dimensions of a wealthy life.
Spend on what truly matters to you.
Most people who reach financial independence still feel anxious about spending. Enough helps you figure out what you actually want from life, then shows you exactly how your money supports it — so you can live with confidence and purpose, without the fear of running out.
Start your journey →Full feature comparison
| Feature | Explore | Navigator | Architect |
|---|---|---|---|
| All 11 public calculators (FIRE, SWR, Roth, tax, retire-on) | |||
| 307 city guides + 86-country tax overviews | |||
| 20 strategy pillar guides (4% Rule, Trinity, Roth Ladder, etc.) | |||
| FI Score (survival % + headroom) | Snapshot | Full | Full |
| Personal FIRE dashboard (save portfolio, track progress) | — | ||
| What-if money scenarios (move, buy home, kids) | — | ||
| Spending plan (categories + line items) | — | ||
| Withdrawal strategy comparison (Fixed, Guyton-Klinger, VPW, CAPE) | — | ||
| Tax-aware drawdown sequencing (Roth/traditional/taxable) | — | ||
| Roth conversion ladder planner | — | ||
| International tax optimization (86 countries) | — | ||
| Lifestyle simulator (307 cities) | — | ||
| Money-focused AI coach (tax, withdrawal, portfolio) | — | ||
| Portfolio projection + CSV export | — | ||
| Studio — daily 2–5 min Compass ritual | — | — | |
| Thread — daily coaching (chat, WhatsApp, Telegram, email, voice) | — | — | |
| Place dimension coaching | — | — | |
| Time & Purpose dimensions | — | — | |
| Relationships & Health dimensions | — | — | |
| Learning & Adventure dimensions | — | — | |
| Emotional resilience coaching ('Spend Boldly') | — | — | |
| Legacy planning (estate, inheritance, kids) | — | — | |
| Life-events planning (divorce, aging parents) | — | — | |
| Core Pursuits tracking | 3 pursuits | 3 pursuits (money-focused) | Unlimited across 10 dimensions |
The average financial advisor charges $175–$725/month. Enough delivers the planning and the purpose — starting at $15/month.
Frequently asked questions
I already have a financial advisor. Why do I need this?
Your advisor manages your money. Enough helps you design what your money is for — the pursuits, transitions, and legacy that give your wealth meaning. Think of it as the layer above the spreadsheet.
Is my financial data secure?
Bank-level encryption (AES-256), we never store credentials, can’t move your money, and never sell your data. Your information stays yours.
What’s the AI Life Design Coach, exactly?
An AI-guided conversation based on the Kinder Institute’s Three Questions methodology and evidence-based positive psychology. It helps you articulate what matters most and build a plan around it.
Can I cancel anytime?
Monthly plans cancel instantly. Annual plans include a 60-day money-back guarantee — no questions asked.
How is this different from a financial advisor?
Advisors typically charge 1% of assets ($10K-$40K/year on a $1-4M portfolio). Enough gives you the same planning tools — spending plans, withdrawal strategies, what-if scenarios — plus AI life design coaching that most advisors don’t offer. For less than $20/month.
What’s the What-If scenario tool?
Start from your spending plan, add a life change (buy a house, have kids, move abroad), and instantly see how it affects your survival probability and net worth. Compare your baseline vs the change side by side.
All annual plans include a 60-day, no-questions-asked money-back guarantee.