WHERE YOUR MONEY IS
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All values are shown in today’s purchasing power.
Add your monthly income and spending, or bring in a plan you already have.
WHERE YOUR MONEY IS
NEXT USEFUL STEP
This is one optional planning view, not the purpose of your whole financial plan and not an automatic retirement recommendation.
OPTIONAL INVESTMENT MILESTONE
NEXT MILESTONE
MONEY
See each bank or broker, the accounts inside it and the investments or balances held in each account.
STOCK-MARKET PORTFOLIO
Individual companies use the country where the underlying company is based. Funds and ETFs are divided using their country allocation.
CURRENT VALUE
INVESTMENTS
Latest closing prices and any products that need your attention.
These are closing prices, not live quotes. Use Update prices for a check now. With automatic updates enabled, opening your plan checks whether a newer close is available. There is no background update while your plan is closed.
Most exchange closes are reused until the next daily market cycle; SIX references are normally checked after four hours. Euro reference exchange rates are refreshed after the next business-day update, usually after 17:00 in Paris. A new conversion is applied when its investment price is updated. Each investment shows its price date and exchange-rate date.
Broker cash balances use the exchange rates refreshed when your plan loads. Historical transactions keep their original recorded conversion.
We use the product identifier and exchange to find prices. Your balances, quantities and account details are not sent to the price provider.
IMPORT
Connect your broker or import a statement you already have.
DIRECT BROKER CONNECTION
Download positions, cash and transactions directly, then review before saving.
BANK CONNECTIONS
Check available banks, connect securely and review movements before adding them.
You will see a preview before anything is saved.
Spreadsheets: XLSX, CSV, TSV or TXT. You can also paste cells from Excel or Google Sheets. IB statements: CSV or Flex XML.
Your original file stays on this device. The selected information is encrypted in your browser before it is saved.
EXPLORE YOUR OPTIONS
Small changes, larger choices. Test your own figures without changing your saved plan.
All amounts in USD, your plan currency. These comparisons are temporary.
SPENDING THAT REPEATS
A subscription, regular purchase or change in your bills. See the yearly cost and what investing that amount could mean.
WHERE YOUR MONEY GOES
Cash, a savings account or an investment. Use your own returns and see what each could buy after inflation.
DEBT AND INTEREST
Estimate how long a debt takes to repay and the interest it costs. Change the payment to explore another option.
CASH FLOW
Record everyday spending, see where it goes, and keep investments separate.
RECORDED CASH FLOW
Income and spending recorded for the selected period.
These totals use amounts with a known conversion to your plan currency. Transfers, borrowing and investment purchases stay separate from income and living costs; trading fees and debt interest are included in recorded spending.
Select a bar to zoom into that period. The chart, totals and matching transactions update together.
BY MONTH
Add transactions to build a real picture over time.
WHERE SPENDING GOES
Expense categories will appear here.
YOUR MONTHLY PLAN
Your saved estimate
PLAN
Explore decisions today. See how they change your money, your options and your time.
Income means salary and other money from outside this portfolio. Investment returns are already included separately.
These controls do not change your saved plan.
An adjustment in percentage points to each included investment's annual return. Enter 0 to use your saved assumptions.
WHAT IF?
Compare a different income, spending level, one-off cost, investment assumption or country without changing your saved plan.
Net worth means all assets with known values minus debt, in today’s purchasing power. Monthly cash left is income minus living costs and cash debt payments at the start. Stock markets are volatile; actual returns will vary, with rises, falls, better and worse years. These figures are not a guaranteed path or final value.
WORK & PAY
Include everything your job gives you, everything it costs you and all the time it takes, including commuting and work outside paid hours.
ORGANISE
Rename the defaults or create categories that match your actual life.
LEARN
The reasoning and limitations behind the tool.
Why one precise date can be misleading.
ASSUMPTIONS · 8 MINUnderstand the purchasing power your investments may actually add.
WORK · 7 MINCount commuting and external time as part of the job.
GEOGRAPHY · 9 MINTax is only one part of the comparison.
ACCOUNT
Every figure used in your projection remains visible and editable.
SAFE TEST MODE
Use a temporary empty plan to review exactly what a new user is asked. Test figures are never saved and your real plan stays untouched.
A backup is a separate copy of your financial information. An emergency recovery code is not a backup.
This file contains all your financial information in readable form. Anyone who gets the file can read it.
Your financial information is hidden automatically after 15 minutes without activity. You can then continue by entering your account password again.
An emergency recovery code is optional and is not part of account creation. If you choose not to make one, forgetting your password means the encrypted financial information cannot be reopened.
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