Leave a Review Topia
Price point
I really want to try this app out, but the $9.99 / month price point is a non-starter for me. I know there’s a 14 day trial, but I don’t want to set things up if I know I’m going to have to subscribe to yet another subscription (this is probably the case with most of the FI/RE community). I already have some free tools in place (Wealthfront, Empower, Google Sheets) and can’t justify the cost of this if it provides the same functionality.
If there were videos or a demo mode that I could look at that shows the added value of this app, then I’d be more willing to give it a shot. It would be much easier to justify the cost if it was like $2 - $3 / month.Show lessvideog23
Great and bugs fixed promptly
I left a previous 4 star review with some pain points. Those have all been resolved. This app is great for planning and learning about the FI movement and how it can and could apply to your situation. I’m hesitant to say that I’d keep this app forever just due to the cost but it’s absolutely worth subscribing for a few years.Show lessnogve
Great for visualization
I like how easy it is to answer some basic questions in Topia to get different projections that help you become more confident during your journey to financial freedom. The fact that you can connect your accounts makes it even easier to see if you’re on track or need to make adjustments to reach your goals. Having the option go go through different financial scenarios is also helpful. It lets you tailor the app to realistic goals that better align with your lifestyle.Show lessPurplemajufi
Concept is good, not ready to be this price
Lots of small to medium issues. If I sign up with my Apple ID it doesn’t import my age, and assumes I’m 18 for all of the calculations and visualizations. It shows what age I will be when I retire, which is wrong. Inputting numbers is wonky and they should just use standard boxes with data validations AFTER it’s inputted and not while I type . It was a pain to type a percentage for my mortgage rate.
I’m being scrutinous because of the expensive monthly fees associated with the app. I’d expect it to be more polished and easy to navigate.
All of the content is great though and it fulfills its advertised purpose of skipping out on the complex excel sheets and serves as a great one stop shop for what folks need to see their FI journeyShow lessLove the concept
My husband and I are big FIRE fans, especially after reading The Simple Path to Wealth by JL Collins. Since then, we’ve devoted a lot of time and energy maxing out all our tax saving investment accounts. I’ve loved watching those accounts grow and have been using the Personal Capital app to do so but since the app was bought out by Empower, I’ve noticed more glitches and lost connections so I’ve started shopping around and when I found this app I got very excited! I have a couple accounts not yet supported by this platform but when I reached out to support, Logan responded right away and assured me it’s on his list of account to add. I look forward to seeing this app continue to grow and improve!Show lessKickDrumHeart
Cool App
I like that I can add all my accounts and get a real time picture of my assets. I also like that I can factor in passive income or other streams of income. It gives a clear visual of progress toward FI in $ and time.DTrap1
Good alternative to Mint
When Mint decided to close its doors and fold into Credit Karma, I was sad. As a long time Mint user, more for its net worth feature than its budgeting feature, I was less than impressed with Credit Karma.
I looked at several alternatives, and Topia was a clear winner for me. It does an excellent job of tracking assets and liabilities, giving a clear picture of net worth changes over time.
Topia uses a third party service called Plaid to make the connections to your accounts. For the most part, this works seamlessly much like the experience with Mint. There was an issue connecting to one account, which eventually got resolved, and another institution I have an account with just isn’t supported yet. You can still add accounts and track them manually in those cases. If all my accounts were connected, this would be a five star app.
There are additional features for tracking cash flow and financial independence planning that I haven’t needed yet. For simple automated net worth tracking, this app gets the job done.Show lessTravelin Brian
Cool App
I like that I can add all my accounts and get a real time picture of my assets. I also like that I can factor in passive income or other streams of income. It gives a clear visual of progress toward FI in $ and time.Great app for tracking FI
Great concept, some improvement can be made on the accounts updating and data input, but it has been incredibly helpful to make a confident plan. Knowing how and where we are going in our financial journey has been relaxing. Thank youdrandresborja
Some of the basics are broken
Potential here but it’s glitchy, not a personal capital replacement unfortunately
The investment return math seems broken, it seems like it’s not taking monthly contributions into account when forecasting the portfolio value. The projected fi date math they gave only makes sense if I assume zero future contributions which is not what is set.
Also the math for how much you are/could be saving needs cleaned up, as it asks for net monthly after tax income then complains that I’m saving “too much” since 401k contributions are pretax and an employer match isn’t factorable anywhere - but if you put in pretax income it says you have a huge access
Unfortunately plaid doesn’t support hardly any of my financial institutions, I was willing to plug everything in manually but the broken math above and multiple other small glitches robs the app of any remaining value unfortunately. I don’t want to be too harsh since I see so much potential here but there is work still to do.Show lessRj13579
