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Record cash, investments, property, pensions and debts. Compare your balances, asset allocation and growth over time.
Log income, expenses and investment contributions to see your savings rate, spending trends and cash retained.
Use your latest balances and your own growth, inflation and retirement assumptions. Apply a suggested contribution from cash flow only when you choose.
Your balances, income, expenses and projection inputs stay in this browser and are not uploaded to our servers. No account, bank connection or automatic sync is needed.
Keep each account in its own currency. Saved exchange rates support comparisons over time; current rates may be used when historical rates are unavailable.
Download net worth, cash flow and FIRE charts as JPG images to share. Export a JSON backup to move your records between browsers, or use CSV with a spreadsheet. Keep a backup in case browser storage is cleared.
List your cash, investment, property, pension and loan accounts, then record a balance snapshot whenever you like — monthly works well. Multiple currencies are converted automatically.
Log income, spending and investments by category to see your savings rate and a flow chart of where the money goes each month.
Set growth rates per asset class, contributions and debt repayments to explore your future net worth — with an inflation-adjusted view, a drawdown and a FIRE target.
Want to see it filled in first? Open the live example — five years of snapshots across cash, investments, pension, property and a mortgage, categorised cash flow, and a 35-year projection.
Your data never leaves this browser: there is no account, no server-side storage, and nothing to sign up for. Use Export backup for a full backup you can re-import anywhere, or Export CSV to open your balances and cash flow in a spreadsheet. See the calculation methodology and assumptions for formulas, data sources and projection limitations.
Where your data actually lives, how backups and CSV imports work, tracking accounts in several currencies, and how the projection compares your balances with a target — all answered on the frequently asked questions page.