Topia: Financial Independence 17+

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

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!

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.