Updated 2026-06-01

Per Diem: FIRE planning, portfolio tracking, and daily spending in one app

Per Diem is a financial independence app for households that want daily spending decisions tied to a long-term FIRE plan. It connects budgets, transactions, account balances, portfolio tracking, taxes, and retirement assumptions into one model, then turns that model into a practical daily number: what you can spend today while keeping the future plan on track. Per Diem runs on web for setup and deeper planning, on iOS and Android for daily check-ins, and through the Per Diem ChatGPT app for questions about your authorized financial context. Households can start with demo profiles, connect read-only accounts when ready, and compare saved scenarios before changing a baseline plan.

What does Per Diem help you do?

• See one daily spending number built from income, fixed expenses, discretionary budget, and month-to-date spending.
• Connect accounts so balances, transactions, and portfolio context stay close to the FIRE projection.
• Model financial independence with household-specific income, expenses, assets, taxes, and assumptions.
• Save scenarios for income changes, spending changes, market movement, purchases, state moves, and life events.

How is Per Diem different from a budgeting app?

A budget explains where money went. Per Diem focuses on the decision in front of you: how much room today has after the household plan, recent spending, and long-range FIRE target are considered together.

Trust and limitations

Per Diem uses hosted authentication, read-only financial connections, and encrypted token storage. Raw bank credentials stay with the connection provider, not Per Diem, and the app cannot move money or place trades. FIRE projections, tax context, and scenario results are planning estimates for education and accountability.