Per Diem

dad.make.fire

In-app purchases

About this app

Per Diem is the personal finance app that shows you what you can spend today and when you can retire, updated from your actual accounts.

Most people manage money with a patchwork of tools: a budgeting app, an investment tracker, a retirement calculator, and usually a spreadsheet to tie it all together. Per Diem replaces that stack with one connected system.

Connect your bank and brokerage accounts once and get:

- A live per diem: the daily discretionary spending number you can use right now
- Budgeting and transaction tracking grounded in real account activity
- Net worth, holdings, income, and cash flow in one place
- Monte Carlo FIRE projections that update as your finances change
- Goal and life event planning for major tradeoffs
- An AI advisor that can answer questions using your real financial context

Per Diem is built for people who want clarity, not spreadsheet sprawl. Every transaction, paycheck, and market move can flow through to your financial independence plan, so your timeline stays connected to reality.

Use Per Diem to:

- See how daily spending affects your long-term plan
- Track accounts, investments, budgets, and income together
- Model career changes, spending shifts, and future goals
- Ask plain-English questions about your money and your FIRE timeline
- Understand the tradeoffs behind the next financial decision

Per Diem is designed for wealth-building households who want a smarter way to budget, plan, and stay aligned with financial independence.

What’s new

Improved Plaid connection reliability on mobile, a simpler holdings experience, and smoother account and subscription flows throughout the app.