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.
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.
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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.
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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.
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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 journey
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
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Love 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!
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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.
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.
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.
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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 you
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.
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.
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Great concept with some minor bugs to work out
I love the concept and interface of the app. Easy to use and gives projections that other net worth tracking apps don’t. The ability to modify income/spending, add in side hustles with expected monthly income, etc helps give people an understanding and a plan for how much they should save/invest to retire at the age they want to.
Plaid is good for the most part, but unable to link certain accounts and/or some accounts do not automatically update every day. Manual tracking is needed in these instances.
For several accounts, when I enter the Monthly Contribution and click Save, the changes do not stick. Sometimes it immediately reverts back to $0, and sometimes it does so the next time I log into the app. And I have to update these accounts again in order to get a true picture of my projections.
Minor bugs aside, this is a untrue tool that is the first of its kind. I’ve used many net worth tracking apps, but I plan on Topia being my go-to finance app once everything begins to run smoothly and update accordingly.
Plaid is good for the most part, but unable to link certain accounts and/or some accounts do not automatically update every day. Manual tracking is needed in these instances.
For several accounts, when I enter the Monthly Contribution and click Save, the changes do not stick. Sometimes it immediately reverts back to $0, and sometimes it does so the next time I log into the app. And I have to update these accounts again in order to get a true picture of my projections.
Minor bugs aside, this is a untrue tool that is the first of its kind. I’ve used many net worth tracking apps, but I plan on Topia being my go-to finance app once everything begins to run smoothly and update accordingly.
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Good Start
This app has potential to be my favorite net worth and FI tracker. A few problems I’d like to highlight:
1. Support for Betterment app passwords. I can’t add my betterment account on plaid because it’s not playing nicely with betterments app passwords..so I’m manually managing for now.
2. Crypto support. Crypto is here to stay. As a modern personal finance app crypto is a must have for anyone under the age of 40.
1. Support for Betterment app passwords. I can’t add my betterment account on plaid because it’s not playing nicely with betterments app passwords..so I’m manually managing for now.
2. Crypto support. Crypto is here to stay. As a modern personal finance app crypto is a must have for anyone under the age of 40.
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Highly recommend for people with non-traditional retirement plans
Topia has helped me to figure out what my current financial situation is and what changes I need to make to meet my FI goals. I haven’t seen another app that targets people who want to pursue a non-traditional retirement path, and it makes it easy for you to plan for life events that impact your path to FI, including having a child or going on sabbatical. Topia also calculates key metrics for you, such as your net worth and savings/investment rate. As a member of the Topia plus community, I’ve received a lot of valuable coaching and resources to help me accelerate my path to FI
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Great app and support
This app simplifies all the complex math behind determining when you can be financially independent.
Though it is not required, I would recommend that you find out a bit about FIRE (financially independent retire early) once you download the app. It’ll make more sense if you do. The FIRE concept turns the whole idea of a traditional retirement on it’s head.
Grant Sabatier’s Book “Financial Freedom : A Proven Path to All the Money You Will Ever Need,” is a great place to start learning. He in fact co-founded the app with Logan Leckie.
This app is built around the information found in that book and comes with a robust support community. I have enjoyed using it and feel confident it is steering me toward my goals.
Though it is not required, I would recommend that you find out a bit about FIRE (financially independent retire early) once you download the app. It’ll make more sense if you do. The FIRE concept turns the whole idea of a traditional retirement on it’s head.
Grant Sabatier’s Book “Financial Freedom : A Proven Path to All the Money You Will Ever Need,” is a great place to start learning. He in fact co-founded the app with Logan Leckie.
This app is built around the information found in that book and comes with a robust support community. I have enjoyed using it and feel confident it is steering me toward my goals.
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Awesome
I love Topia and will continue to use it to track my FI journey. It is very easy to use and is managing it is a breeze. I think Logan and his team have a good thing going and really care about what they are looking to achieve. Highly recommend.
Amazing tool to have
After reading Grant’s book Financial Freedom, I downloaded this app and have been loving it. It’s so easy to get a clear picture of your finances.
She is great
Very efficient and positive attitude.
So glad I found Topia
I was so excited when I heard about Topia on a podcast. The app is exactly what I needed. It took me a while to connect my accounts and configure my FI journey but once I did everything is running smoothly. My FI journey updates in real time and it's pretty great to be able to tinker with the what if stuff
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Powerful tool
Can see my FI journey and then tinker around to see how I can get there sooner, the only decent full FI app I've come across!
Good potential
Love the concept. but couldn't connect my fidelity account
