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Future Planner

Plan your future with our one-stop financial planning tool.

Risk disclosure 

Find out if you can retire sooner by saving on everyday expenses

Ever wonder if buying a cup of coffee everyday will delay your retirement? Or if you need to sacrifice your dream to buy a new home? No more guessing! Get your answers with Future Planner's life-like simulations. 

Exclusive offers

  • HSBC Premier Elite and HSBC Premier customers who have completed retirement planning via Future Planner can enjoy a preferential initial charge of 0.96% for the first Unit Trusts subscription (no transaction limit). Offer valid till 31 December 2024. T&Cs apply, Investment involves risks. Learn more.
  • HSBC Premier Elite and HSBC Premier customers who have completed retirement planning via Future Planner are entitled to HKD500 cash rebate for every bond subscription amount of HKD500,000 or equivalent in other currencies. Maximum cash rebate per customer is capped at HKD20,000. Offer valid till 31 December 2024. T&Cs apply, Investment involves risks. Learn more.
  • From 1 October 2024 to 31 March 2025, HSBC Premier and Premier Elite customers who are new FlexInvest users can enter our monthly lucky draw for an iPhone 16 Pro 256B by confirming their retirement goal in Future Planner, and investing HKD5,000 with FlexInvest. Investments involves risks. T&Cs apply. Learn more.

Your one-stop tool for financial planning

One-stop financial planning

Forget about spreadsheet and calculators! Plan your life goals and wealth with a single tool.

Life-like projections

We provide a holistic forecast of your wealth, taking good or bad times and uncertainties into considerations.

DIY or find an expert

The financial plan set up on your HSBC HK App is synchronised with our relationship manager's platform. Plan finances at your own pace with advice from our experts.

Plan your financial future on our app

1,000 possible outcomes of your future

With 1,000 simulations of your potential futures, get a clear idea of how wealthy you'll be when you retire or get old, all in one single graph. This includes:

  • An overview of your liquid net assets and total net assets in every year
  • Correlation between your life goals and finances
  • Indication of 'out of cash' scenario to help you evaluate your cash flow in the future

Your wealth is under your control

Review your finances hassle-free with a comprehensive overview of your net wealth. We'll help you summarise and categorise all your assets across accounts.

  • Monitor your net wealth from time to time
  • Understand your asset distribution via our visual summary

Make all your dreams come true

From your children's education, to buying a home and retiring comfortably – we've got your back. Future Planner helps you analyse the likelihood of achieving them all, enabling your with ideas to stay on track.

  • Forecast how likely you are to achieve all your goals and the funding you need for them
  • Learn about how you can improve your chances of succeeding in your goals
  • Budget for your children's education with our consolidated overview of educational expenses in various regions

Get the right financial advice from our specialists

Got a big plan for you and your family? Reach out to our relationship managers for a comprehensive analysis of your wealth with Future Planner.

  • Holistic retirement planning
    Comprehensive analysis of your pre-retirement and post-retirement life. Start planning how to generate income after your retire.
  • Investment and insurance simulations
    Find out how different investment and insurance products impact your future.
  • Prepare for the unexpected
    Foresee your financial situation in case of life events such as critical illness. Get yourself and your loved ones protected with our insurance products.

Get started with Future Planner on HSBC HK App

Step 1

Log on to the HSBC HK Mobile Banking app > Select 'Investment' > Select 'Future Planner'.

Step 2

Follow the instruction on the screen. Tell us your life goals and financial status.

Step 3

You are all set! Understand your net wealth and chances of achieving your life goals with an all-in-one visual chart. Check your progress now.

Start planning for your future now

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Scan the QR code to start using Future Planner

If you've got the HSBC HK App already

Scan the QR code to start using Future Planner now.

Or if you're on mobile, you can tap the link to open the HSBC HK App right away.

Plan your finances with experts

Already banking with us?

Our wealth management specialists at our branches can help you forecast your net wealth. Find out how wealth and insurance products can impact your future.

Contact Relationship Manager

If you're an HSBC Premier Elite or HSBC Premier customer, you can contact your Premier Elite Director or Relationship Manager directly to plan your finances.

You can also call us 

Frequently asked questions

What is Future Planner? 

How does Future Planner differ from other financial planning tools? 

How do I know if I am achieving my goals? 

Award-winning financial planning tool

Bloomberg Businessweek Financial Institution Awards

Winner of:
  • Excellence Performance: Banking Securities Sector - Digital Innovation (2023)
  • Excellence Performance - Banking Securities Sector - Wealth Management Platform (2024)

Asian Banking & Finance Retail Banking Awards

Winner of:
  • Wealth Management Platform of the Year (2023)
  • Wealth Management Platform of the Year (2024)

Global Retail Banking Innovation Awards by The Digital Banker

Winner of:
  • Best Wealth Planning for Affluent Clients (2022)
  • Best Wealth Planning for Affluent Clients (2023)
  • Best Hybrid Wealth Management Offering (2024)

Explore our other services

Make the bold strides to seize opportunities together with your family.
Invest in a future where all your goals can come true.
We make it easy to invest and stay up to date with the market, even when you're on the go
We've got you covered so you can live your best life, worry-free

Notes

    Disclaimer and risk warning 

    This information is not and should not be construed as an offer to sell or the solicitation of an offer to purchase or subscribe for any investment. HSBC has based this list on information obtained from sources it believes to be reliable but which it has not independently verified. HSBC makes no guarantee, representation or warranty and accepts no responsibility or liability as to its accuracy or completeness. The information is subject to change without notice. All products in Future Planner are generalised for simulation purpose only without taking product suitability and personal affordability into account. The results may differ from the actual product behaviour, including but not limited to return, risks, premium amount, payment term, cash value, and coverage. We do not represent or warrant that any movements provided in the simulation tool are likely to occur in the future, as past performance is not necessarily indicative of future results. There may not be any HSBC product that provide the same outcome as the simulation in this tool. If you would like to understand how the simulation is projected and its assumption and limitation, please contact our staff. Note that we are not recommending or solicitating any investment and insurance products by way of Future Planner. Please note that the simulation provided in Future Planner is indicative and for reference only. You should not act on or place any reliance on any information on this page without seeking specific professional advice.