Plan the years ahead with your real numbers.
Project your portfolio decades ahead from the accounts you already track. Put real life on the timeline, tell Finzya how your money should move, and include tax and accounts you can’t touch yet. It’s a full plan, not a compound-interest calculator.
- Your own scenariosCompare up to three growth scenarios side by side.
- Real life on the curveRetiring, a home, a child, a career break, a market crash.
- Tax and access rulesTaxed withdrawals, shared allowances and locked accounts.
Put real life on the timeline
Add what you expect to happen and see how each event changes the projection. An event can bring money in or take it out, change how much you save, or have you live off your portfolio for a while. Events that spend money show whether the plan can pay for them.
- Retirement, a home, a child, a career break, a pension or an inheritance
- Market crashes, booms and years of lower returns
- Goals, with the age at which the plan reaches them
Build more than one future
Keep separate plans, each with its own events and inflation, to compare the lives you’re choosing between. Your own growth scenarios set a return and a monthly contribution for savings, investments and retirement, and up to three of them run side by side.
Starts from what you have
Every plan starts from your real account balances. Want to test an account you haven’t opened yet? Add a virtual one, and Finzya marks the plan as simulated.
Tell Finzya how your money should move
Choose which accounts you spend from first, and leave out the ones you’d never sell. When an account reaches its limit, extra money moves to the next one, and one allowance can be shared by several accounts. The projection follows those rules every month.
Tax on what you take out
Describe each tax once, on gains or on the whole withdrawal, with any tax-free part and its lifetime limit. Finzya takes out enough to cover it, so the amounts you plan to spend are what you actually receive.
Accounts you can’t touch yet
Some money is locked until a certain age, like a pension. Finzya leaves it alone until then, pays your way from your other accounts, and tells you if the plan falls short in the meantime.
See exactly how it plays out
Find the earliest age you could retire on the spending you’ve planned, open a year-by-year table down to each month and account, and try a “spend less” what-if built from your real spending.
Not sure where to begin? Add a ready-made example, such as retiring early or buying a home, then adjust it to your own plan.
Every feature, explained.
Accounts & transactions
Bring your accounts and transactions together, entered by hand or imported from your bank.
See how it works
Net worth & portfolio
What you own, what you owe and how it has changed — one figure across every account and currency.
See how it works
Spending & cash flow
Where your money came from and where it went, by category, payee and month.
See how it works
Budgets & saving pots
Plan your spending by area and put money aside in saving pots for your goals.
See how it worksSee where your money
is taking you.
Bring your finances together today, then see what they could look like years from now.