A money forum · 20 years old
Same paycheck.Two futures.
ftrme (future me) shows where your money goes today and who you’ll be in 20 years, then gives you one small step a day. No judgment.
Meet the you who made it.
The 30-second teaser
No judgment. Just your next step.
The good answergets buried.
We read about 1,200 top comments on 48 public threads where people asked for money help. The plan was usually there. It just sat under the joke. Read the study →
Top reply
“You’re 20. Of course you can’t.”
▲ 134
The plan
“Start from what you take home. Keep rent near a third, get a roommate, build a small buffer first. Here’s how I’d split it.”
▲ 93
Paraphrased · based on a study of 48 public threads
We’re on the side of the 93.
The reply that
should’ve been on top.
ftrme shows you who you are with money today and who you could be, then closes the gap with small daily actions. A plan that checks back in, never a lecture.
Same paycheck.Two futures.
Percentages, not payslips. Out of every 100 you earn, move a few into future you and watch the line bend.
Try the slider →
9:41●●●
Same paycheck.
Two futures.
Jordan at 44 · 2046That’s the plan
$84,390
2026 · todaydashed: 2%2046
Make 9% my plan
Illustrative: 7%/yr average, monthly deposits, not a guarantee.
Jordan at 44 · saving 9% of $1,800
$84,390
Two futures.
Saving 2%: $18,753. Same paycheck. Twenty years.
Illustrative: 7%/yr average, monthly deposits, not a guarantee.
It meets youat checkout.
That $250 drop? Future Me shows it in hours of your work and what it becomes in ten years. Then gives you 48 hours. Still want them? They’re yours.
9:41●●●
DROPSBag · 1
High-top runner
$250
Buy now · $250
Sneaker drops · shielded by ftrme
Jordan, quick check.
24h
of your work
≈$490
if invested 10 years*
Still want them in 48 hours? Then they’re yours.
*Illustrative: 7%/yr
Start 48h cooldown
Unlock for 5 minutes
And whereveryou spend.
Mark the places where money leaves fast. Twenty minutes in, a kind nudge. Location stays on your phone.
9:41●●●
Danger Zones
Places where money leaves fast
The mallYou’re in the zone20 min
On-device location alerts. Your location never leaves your phone.
48 hourslater.
It checks in, not on you. Either answer is fine. When you keep the money, it counts toward future you.
9:41●●●
Saturday, October 4
9:41
ftrmenowStill want the sneakers?48 hours are up. Either answer is fine.
Badge unlocked · 48h hero
$250 stays yours.
That’s ≈ $970 for future you by 2046.
Illustrative: 7%/yr
Illustrative: 7%/yr
🔥 13
day streak
+60
XP
$293
kept this month
Every stepcounts.
A buffer. A car paid off. Levels, streaks and a line that keeps bending up. The gap closes one next step at a time.
9:41●●●
Progress
Level 3
525 XPSteady
The gap is closing+ Car paid off
Buffer $1,000$240 of $1,000
Car paid off2029 · frees $500/mo
Meet the you
who made it.
Beta opening
Founding members
$49 your first year
of 50 founding seats left
50 founding members get in first and build Future Me with us. You pay once, $49 for your first year, and you get a full refund any time before your invite.
Claim a founding seat →
Secure checkout by Stripe · refundable until your invite
Not ready to pay? Join the free waitlist.
Founding price locked$49 for your first year. The price goes up at launch.
Refundable until you’re inChanged your mind before your invite? Email us and we refund the full $49.
Shape Future Me50 people, every one heard. You help decide what it says and does next.
Who’s building this
“When I lived in London I needed flatmates to afford rent, and most months I ended up asking friends to lend me money to get to payday. I know that feeling. It sucks. ftrme is the thing I wish I’d had.”
Max, founder · Come say hi on r/ftrme · hello@ftrme.com
Questions, answered.
What is ftrme?
ftrme (future me) is a money companion. It shows where you are today (Present Me), who you could be (Future Me), and closes the gap with small daily actions. Warm, a little funny, never shaming.
Do I have to share my salary?
No. ftrme works in percentages: out of every 100 you earn, how much goes where. That works at any income and in any country, and it feels less invasive.
Is it a bank? Does it hold my money?
No. ftrme doesn’t hold or move your money. It helps you decide your next step and keeps you company while you take it.
Why is the beta paid?
Paying a little tells us you really want this, and it lets us build Future Me with you instead of for advertisers. We keep it to 50 people so we can talk to every one of you.
What if I change my mind?
Email us any time before your beta invite and we refund the full $49. Payments go through Stripe; we never see your card details.
What does the $49 founding price include?
Your first full year of ftrme, starting the day your beta invite arrives. Invites go out in the order seats were claimed. The waitlist is free and you’re never charged for joining it.