# Topia: Financial Independence — FIRE Tracking & Budgeting > All-in-one app for tracking and budgeting to achieve financial independence. (iPhone/iPad app by Axis Investing Limited.) - Source: https://appshunter.io/ios/app/topia-financial-independence/id1527286971 (this page in markdown: same URL + `.md`) - Developer: [Axis Investing Limited](https://appshunter.io/developer/1527286973) - Category: Finance - Price: Free with in-app purchases - Rating: 4.10/5 from 52 App Store ratings · 32 written reviews indexed - Age rating: 17+ - Requires: iOS 14.0 · 42 MB - Languages: English - Released: 2021-10-08 - Data updated: 2026-06-10 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/topia-financial-independence/id1527286971/reviews.md ## What is Topia? Topia is the first all-in-one FI & FIRE app to help you every step of the way and make your journey to Financial Independence easier and faster. Life is too short to not be doing what you love. Grant Sabatier & Logan Leckie created Topia so that you could do just that; enjoy a life lived on your terms. By giving millions of people the tools they need to reach financial independence faster, Topia helps you unlock the freedom to make the most of every moment. Everyone has their version of utopia, what's yours? Features: Everything in one place: Say goodbye to crunching numbers and tracking on Excel spreadsheets. Let Topia handle all those unique FI calculations and tracking, keeping your whole FI journey in one, easy-to-use app built specifically for FI. Built for you: Your Topia is personal to YOU. We help you craft your very own roadmap to financial independence. Topia will be with you every step of the way, providing the support and tools needed to unlock freedom in your life as fast as possible. FI focus: We are the first purpose-built FI app. Aiming for Barista FI? Curious about Geo-Arbitrage? What about Coast FI? Whatever your FI goals may be, Topia is designed to mold perfectly to your unique FI journey Real-time tracking: Connect all your accounts to Topia for live updates on your portfolio, offering you the chance to monitor your progress to FI anytime, anywhere. With Topia, you're always in the loop, tracking every milestone in real-time. Tinker: Discover how small changes can majorly impact your journey to financial independence. Ever wonder, "What if I increased my income by 10%? Or saved 20% more? How would that affect my timeline to FI?" Topia answers these questions, helping you reach your utopia sooner. ## Key features - All financial data in one place - Personalized FI roadmap creation - Purpose-built for FI goals - Real-time account tracking - Scenario planning ('Tinker' feature) ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Topia App Full Access | $9.99 | per month | | Topia App Annual Subscription | $69.99 | per year | **One-time purchases** | Purchase | Price | Type | | --- | --- | --- | | Own Topia Forever! | $299.99 | one-time | ## Recent user reviews (10 of 32) All indexed reviews: https://appshunter.io/ios/app/topia-financial-independence/id1527286971/reviews.md ### 2/5 — Price point *2024-05-20* 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. ### 5/5 — Great and bugs fixed promptly *2024-05-19* 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. ### 5/5 — Great for visualization *2024-05-12* 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. ### 4/5 — Concept is good, not ready to be this price *2024-05-06* 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 journey ### 5/5 — Love the concept *2024-03-13* 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! ### 5/5 — Cool App *2024-02-26* 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. ### 4/5 — Good alternative to Mint *2024-02-25* 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. ### 5/5 — Cool App *2024-02-22* 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. ### 5/5 — Great app for tracking FI *2024-02-21* 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 you ### 2/5 — Some of the basics are broken *2023-12-07* 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. ## Frequently asked questions about Topia ### What does Topia do? Topia is an all-in-one app designed to help users achieve financial independence (FI) and Financial Independence, Retire Early (FIRE). It provides tools for tracking finances, budgeting, and creating personalized roadmaps to reach financial freedom faster. ### What are the key features of Topia? Key features include consolidating all financial data in one place, creating personalized FI roadmaps, real-time tracking of accounts and portfolio progress, and a 'Tinker' feature that allows users to explore how small changes impact their FI timeline. ### Is Topia free to use? Based on the provided information, the app is available for free. There are no mentions of subscription fees or in-app purchases. ### Who is Topia designed for? This app is designed for individuals who are actively working towards financial independence and early retirement. It caters to various FI goals, such as Barista FI, Geo-Arbitrage, and Coast FI, offering a personalized journey for each user. ### How does Topia help with budgeting and tracking? Topia eliminates the need for manual tracking on spreadsheets by handling unique FI calculations and offering real-time updates from connected financial accounts. This provides users with a clear, up-to-date view of their progress towards their financial goals. ## Version history (last 5 releases) ### 3.2.2 — 2024-05-28 - Small bug fixes and performance improvements ### 3.2.1 — 2024-05-22 - New and improved onboarding flow to get you started faster - Introduced our new freemium model - General improvements and bug fixes for a smoother experience- ### 3.2.0 — 2024-05-16 - Ability to ignore transactions from budgeting reports - New monthly spending breakdown screen - Tons of small fixes and performance improvements ### 3.1.3 — 2024-05-09 - Minor fixes ### 3.1.2 — 2024-05-02 - Squashed some bugs - Improved budgeting features ## Apps similar to Topia | App | Rating | Price | Category | | --- | --- | --- | --- | | [Actual Budget - Your Finances](https://appshunter.io/ios/app/actual-budget-your-finances/id1444818585) | 3.7 (39) | Free | Finance | | [Topia Compass](https://appshunter.io/ios/app/topia-compass/id1533175106) | 4.4 (5) | Free | Finance | | [Dividend Tracker - DivTracker](https://appshunter.io/ios/app/dividend-tracker-divtracker/id1512637716) | 4.6 (3,522) | Free | Finance | | [Cents for YNAB](https://appshunter.io/ios/app/cents-for-ynab/id1482995866) | 4.3 (28) | Free | Finance | | [Groundfloor: Invest In Homes](https://appshunter.io/ios/app/groundfloor-invest-in-homes/id1569086243) | 4.5 (1,946) | Free | Finance | | [FFCalc - Retirement Calculator](https://appshunter.io/ios/app/ffcalc-retirement-calculator/id1473492772) | 4.5 (365) | Free | Finance | --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*