Financial planning

De-stress your money

Be in control of your income. Stop thoughtless spending. Take pride in being money conscious.

Check out the free book that explains everything

Using PerNetFlow is the sensible alternative to living paycheck to paycheck

One tool for everything

Organization

You manage your income, bills, and all other personal financial tasks with a single tool. You always know exactly where your finances stand.

In the book - Chapter 8: Cashflow Spreadsheets, Chapter 9: Using a Cashflow Spreadsheet

What if?

What If Scenarios

It’s easy to consider various decisions with PerNetFlow. Can you afford to go on a vacation next summer? What’s the impact of buying a new car?

In the book - Chapter 11: Playing "What if"

Pay-off plan

Easily plan a way out of debt

With a clear picture of your cashflow for the next twelve months, you can put together a pay-off plan that is comfortable and, more importantly, is a way forward that you can stick with to completion.

The choices you have for getting debt free when using PerNetFlow include a consolidation loan or creating custom pay-off plans: one debt, debt snowball, amortize a high balance credit card.

In the book - Chapter 12: Debt

Saving

Automate your savings

Integrate saving plans into your automatic PerNetFlow cashflow spreadsheet for retirement plus any other of your short-term and long-term saving goals.

In the book - Chapter 6: Household Finances

No Internet

Keep your financial information safe

No connections to anything online. No passwords or account numbers are used by PerNetFlow for anything.

Read the free book to understand; really

Who it's for

  • High school students learning about household finances and how to manage the income they will soon be earning
  • College students living on a limited income and/or the proceeds from a student loan
  • Anyone with an income looking to live their best life while preparing for retirement
  • Retirees maximizing their benefit from their retirement funds
  • Engaged couples planning their soon-to-be combined household finances with the Advance Plan feature
  • Entrepreneurs preparing a business plan for a new small business with the Advance Plan feature
  • Financial advisors and coaches helping their clients get control over their household finances
  • Financial planners helping clients plan their cash flow for the coming year
  • Banks and credit unions attracting and retaining customers with the Financial Fitness Mentor program for customers
  • Companies fostering financial wellness for employees with the Financial Fitness Mentor program for company employees

© Copyright 1976-2025 George B Gilbert. All Rights Reserved.
PerNetFlow is a product of 2 Good Software

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