A few years ago my partner and I started thinking more seriously about things like buying a house, mortgages, kids, long-term investing and unexpected expenses.
I started tracking and simulating everything in a simple Excel sheet, but over time it became way too complex 😅
I wanted a better way to visualize how those decisions would affect our future net worth over time, but I couldn’t find an app that worked the way I wanted, so I started building one for myself.
What started as a spreadsheet eventually turned into a mobile app (released ~2 years ago) and now also a web version that I launched last week.
The goal isn’t daily budgeting or bank syncing. It’s more about questions like:
• "Can I retire earlier?"
• "How much does this mortgage really impact me?"
• "What happens if I increase my monthly investments?"
• "How do kids / a new house / a new car affect long-term financial plans?"
Some things the app supports:
• long-term net worth projections
• mortgage & loan simulations
• configurable assets/liabilities
• household/family aggregation
• Monte Carlo simulations
• compound growth simulations with inflation, taxes and fees
• basic capital gains tax support
One thing I cared a lot about was privacy: all calculations are done locally and I don’t have access to users’ financial data. Cloud sync is optional and disabled by default.
I’m still experimenting with monetization. Some advanced features are part of a Pro tier, but if anyone wants to try them out just send me a message and I’ll happily unlock them.
Still a lot to improve, so any feedback, suggestions or criticism is genuinely welcome 👍