Updated 2026-05-20

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. The goal is to keep daily choices and long-range tradeoffs visible in the same place. It is built for planning and accountability, not for moving money, trading, or replacing tax, legal, or investment advice.

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. The app is designed for people who care about financial independence and want spending, portfolio tracking, cash flow, and retirement assumptions to stay connected instead of being rebuilt across separate tools.

Which platforms does Per Diem support?

Per Diem is available on iOS, Android, and web. You can also authorize the Per Diem ChatGPT app to ask questions about your budget, transactions, balances, cash flow, and FIRE plan. The connector can answer from approved context, but it cannot move money, trade, edit, or delete your records.

Can I review Per Diem before connecting accounts?

Yes. Demo profiles let you explore the dashboard, budget review, accounts, tax context, and FIRE plan with sample households before connecting real accounts. When you are ready, web onboarding gives you more room to connect accounts and shape the model, while the mobile apps are built for quick daily check-ins.

How should a new household start?

Start by reviewing a demo household, then create an account and connect the accounts that matter for your plan: checking, savings, credit cards, investment accounts, and retirement accounts. Per Diem uses that context to draft a budget, show recent spending, estimate daily room, and make the FIRE projection easier to inspect. From there, adjust assumptions, save scenarios, and use the daily number as a check-in instead of rebuilding the plan from scratch.

Trust and limitations

Read-only connections

Per Diem uses hosted authentication and read-only financial connections. Raw bank credentials stay with the connection provider, not Per Diem, and the app cannot move money, trade, or delete records through a connected account.

Encrypted token storage

Provider tokens are encrypted at rest and used only to keep authorized account, balance, transaction, and portfolio context available for the household model.

Planning estimates, not professional advice

FIRE projections, tax context, and scenario results are planning estimates for education and accountability. Per Diem does not provide tax filing, legal advice, investment advice, trading, or money movement.