Financial plans you can defend.
Build a journal of financial events. The engine replays it forward, month by month, to derive what you are worth at any date. Fork the journal, change one assumption, and compare the two futures side by side.
Private beta — sign-in is limited to invited accounts. Request access.
How it works
A plan is a list of events
A property bought, a policy funded, a loan repaid, a salary that starts and stops. Thirty event types, each one a fact with a date — not a formula in a cell nobody can audit.
The engine replays them
Every event posts to a double-entry ledger, so the projection balances or it refuses. What comes out is your financial state at any date you ask for, and the working behind every figure.
A what-if is a fork
Copy the journal, change one thing, and put the two side by side. The difference in net worth, in interest paid, in months to payoff — and where the two paths separated.
The comparison this exists to make
A business owner buys equipment four times over thirty years. Everything about the two plans is identical — the same income, the same living costs, the same equipment, the same capital committed each year. The only difference is where the money to buy comes from. One borrows from a bank at 7.5%. The other borrows against a whole life policy at 5% and pays it back.
For the first four years the policy plan is worth less — premiums are going in before there is much cash value to borrow against. That cost is real, and it is where most comparisons stop.
And the part most people leave out
The bank-financed plan holds its spare capital in a business reserve at 3.5%, which is roughly what money you must keep liquid actually earns. That comparison matters. Against a 7% equity portfolio this result reverses and the policy plan loses. This is a comparison against reserves, not against investing.
Every figure on this page is asserted in the test suite against the engine that produces it. If the projection changes, the test fails.
For advisors
The advisor and client model is the most complete part of this product. Build a client's plan with them in the room, and change an assumption while they watch rather than promising to email a revision.
- Manage client scenarios
- Invite clients to collaborate
- Build financial plans together
What this is, and is not
- Projections, not predictions.
- Every figure follows from assumptions you supply. Change them and the answer changes. Where the engine cannot model something it says so — it does not quietly return a number.
- Not financial advice.
- This is a modelling tool. It does not recommend a course of action, and nothing it produces is a recommendation to buy, sell, or hold anything.
- Not an insurance illustration.
- Policy figures are modelled from the assumptions entered. For any policy you actually hold, the carrier's own illustration is the authority.