Financial planning, put back in your hands
SMFP gives you the same calibre of planning tools the professionals use — calculators, guides and a voice assistant — in plain English, at your own pace, for $99 a year.
I'm Steve Manning, and I built SMFP.
With degrees in law and commerce and over 30 years in financial services — much of it building the software advisers and planners rely on — I've worked as an authorised financial adviser, and I've brought that hands-on experience into everything SMFP does.
I also build FinChat, a voice-first planning platform for financial advisers — an Australian AI Awards finalist — so the tools you're using here are built on the same engine professionals use.
SMFP exists because I believe good financial planning shouldn't be locked behind high fees. With the right tools and plain-English guidance, anyone can take control of their financial future.
What sets SMFP apart
Planning chatbot
Chat to test scenarios and get answers in plain language — no spreadsheets required.
The biggest calculator library
One of the most extensive collections of financial planning calculators on any consumer site.
Info-grams
Visual explainers that make tricky concepts click — and you can download them for later.
The full picture
Covering the three pillars of planning — creating, protecting and transferring wealth.
Real help, when you need it
Email replies within 24 hours — and if you need more, I can refer advisers in your postcode.
Built on real experience
The same planning engine and 30+ years of financial-services know-how behind FinChat for advisers.
The mission
To give individuals the resources they need to reach their financial goals — whether that's saving for retirement, buying a home, or planning for a child's education. With the right tools and knowledge, anyone can build a secure financial future for themselves and the people they care about.