FINPREP vs Baward

FinPrep is a financial planning app built for service members — a modern, private take on the military Financial Planning Worksheet. Enter your pay grade, years of service, and duty station, and FinPrep auto-fills your 2026 entitlements, then helps you build a complete spending plan. PAY & ALLOWANCES (2026 rates built in) • Base pay and BAS auto-fill from the DFAS pay tables • BAH by duty station — pick your station or enter your ZIP, with or without dependents • Non-Locality (RC/T), Partial BAH, OHA, FSH-B/FSH-O, and government quarters • Federal tax (FITW) estimate — Traditional TSP lowers it, Roth doesn't • FICA, SGLI, TRICARE dental, and TSP contributions BUDGET & PLAN • Income, expenses, debts, savings goals, and net worth in one place • 70/20/10 health check with progress rings and personalized alerts • Debt Destroyer: compare Avalanche vs Snowball and see interest saved • Projected (PCS) outlook — see how a move or promotion changes your pay (Pro) • TSP balance tracking with future-growth projection PRIVATE & SECURE • All data stays on your device, encrypted — no account, no tracking, no ads • Optional Face ID / Touch ID lock EXPORT (Pro) • Export your worksheet as PDF, Excel, or CSV FinPrep Pro is a one-time purchase that unlocks export and the Projected (PCS) outlook. Figures are estimates for planning only and are not financial, tax, or legal advice. Not affiliated with or endorsed by the Department of Defense, DFAS, or DTMO. Always verify with your LES and finance office.

No leveraged trader forgets their first liquidation. Here it costs nothing — the assets are fictional, the funds are virtual, and the lesson still lands. You start with a practice balance and fourteen invented digital assets spread across six sectors, from infrastructure networks to gaming tokens. A built-in simulation engine gives each one its own temperament: calm weeks, violent days, trends that form and fail. Candlestick charts with moving averages and a press-and-hold crosshair let you study every move across eight timeframes. Trading works the way derivatives actually work. You choose a direction, commit margin, set leverage anywhere from 1x to 20x, and attach a take profit or stop loss if you have a plan — the order form shows the fee and the liquidation price before you confirm anything. Open positions live on a dashboard that tracks equity, margin in use, and profit and loss second by second, and every closed trade is filed with the way it ended: by your hand, by your plan, or by liquidation. What the practice adds up to, the app counts for you: • a Stats panel that turns closed trades into win rate, profit factor, and average win against average loss • a trade History you can export as a CSV file and review in any spreadsheet • forty-one original articles, from a guide that documents every screen of the app to essays on risk and trading psychology Some of those articles start with questions — why does a 20% loss need a 25% gain to repair? where should a stop loss actually sit? — and the answers wait inside, next to the charts they apply to. Everything is simulated: fictional assets, engine-made prices, virtual funds. No real money is involved, nothing here is investment advice — and the leverage that is painless here involves real risk of loss on any real market. Trade badly, learn cheaply, come back sharper.