Work. Save. Invest.
See when you could
live from your investments.
Start with what you earn and spend. See what is left each month, then explore when your investments could cover your costs. Add what you own and owe in your plan.
See how it worksExplore a working example. Free. No sign-up.
Your personal finance planner. You enter the figures. Wosavest does the calculations.
Your money stays in your own bank and investment accounts.
TRY A DIFFERENT FUTURE
When could investments cover my costs?
Change your income or spending. Watch the date move.
Food, housing and other living costs. The full plan adds debts separately.
Starting example: $3,000 in and $2,400 spent each month.
Starting with $0 invested. All money left each month is invested at 4.75% a year after inflation and fees, before personal tax.
Markets rise and fall. This smooth illustration gives an estimated date, not a guaranteed retirement date.
FROM YOUR FIGURES TO USEFUL ANSWERS
Your whole money story.
From this month to more freedom.
Where does my money go?
Record income and expenses, or import transactions. See spending by category and what is left to save.
Explore income & expenses ↗ 02 · YOUR STARTING POINTWhat do I actually have?
Add bank balances, investments and debts. See what you own minus what you owe, together in one place.
Explore savings & debts ↗ 03 · YOUR POSSIBILITIESWhat if I saved more?
Try earning more, spending less or a future purchase. See how each choice could change your savings and the years ahead.
Explore a future plan ↗A SIMPLE TARGET TO UNDERSTAND
When your money can pay for your everyday life.
If expected investment returns match your costs, your plan reaches 100% coverage. Earn more, spend less or add what you already own to see how the estimated date changes.
Try it with a complete plan ↗Before you start
Do I invest or move money through Wosavest?
No. Wosavest is a tool for tracking and planning your personal finances. It does not manage an investment fund or buy investments for you. You record what you have and explore possible decisions; your money remains in your own accounts.
Do I need investments or financial experience?
No. Start with what you earn and spend. Add savings, debts or investments whenever they are relevant. You can learn the tools using the fictional example without entering personal information.
What can I use today?
The example account and money calculators are free to explore without signing up. Changes in the example are temporary and reset when you reload. Saved personal accounts are currently in an invitation-only beta.
Start by seeing it work.
Open a fictional plan, explore the figures and try a change. You can also start an empty practice plan inside the example.