Long-term financial planner
See where your money is heading in 10, 20 or 30 years
WalletCalm projects your net worth from your real income, spending, savings and investments, then lets you ask “what if?”. Compare buying a flat, retiring earlier or investing more each month, side by side.
- Invest €300 more a month€741,000
- Current path€612,000
- Buy a flat in 2030€589,000
Net worth in 2046 · return 5% · inflation 2%
Sample data
Starts from your real numbers
The projection starts from your accounts, investments and debts and from your average income and spending over the last 12 months. Adjust the assumptions (investment return, inflation, income growth, how much of your savings you invest, property growth) and see the effect straight away.
- Your last 12 months as the starting point
- Investments, cash and debts included
- Adjustable return, inflation and growth
- Every chart also as a table
What-if scenarios
Add changes to a scenario and compare it with your current path: a pay rise, a new car, a mortgage with its down payment and the home's value, retirement with a pension, or extra payments on a loan.
- One-off amounts and lasting changes
- New loans and mortgages
- Retirement and pensions, for you and your partner
- Extra payments on existing loans
Net worth, month by month
Next to the projection, your net worth history shows assets, liabilities and the change against 1, 3, 6 and 12 months ago, from month-end snapshots. The cash-flow forecast covers the coming weeks day by day.
- Assets minus liabilities per currency
- Month-end snapshots
- A day-by-day cash-flow forecast
- Free: 1 scenario over 10 years. Pro: 20 over 70 years
How it works
Long-term planner
- 01
Check your starting point
Net worth, monthly savings and assumptions at a glance.
- 02
Add a scenario
For example: buy a flat in 2030, with a down payment and the loan's interest rate.
- 03
Compare the paths
The scenario appears next to your current path, year by year.
Private by design
Projections are calculated in your browser from your decrypted data. The server stores your scenarios only as ciphertext.
Questions & answers
How does the net worth projection work?
It starts from today's net worth and adds what you save each month, your average income minus your average spending. The invested share grows at the return you choose, inflation and income growth are applied, and your debts are paid down on schedule.
Can I plan buying a home?
Yes. A new-loan change takes the loan amount, interest rate, term, down payment and the home's value, so you see both the mortgage and the property in your net worth.
How many years ahead can I plan?
Free plans 10 years ahead with 1 saved scenario. Pro plans up to 70 years ahead with up to 20 scenarios.
Can I plan together with my partner?
Yes. Add your partner's birth year, retirement age, pension and share of today's income: their income stops when they retire and their pension starts. Mark pension accounts as retirement accounts, set the age you can draw on them, and choose which investments cover a shortfall first.
Is this financial advice?
No. The projection is arithmetic on your own numbers and the assumptions you choose. It helps you compare options; it doesn't recommend investments.