Forecast your financial future

Your money has a future. See it.

Find out if you're saving too little or living too small.

Launch app Try free — no sign-up
Year-by-year forecast Income & expense growth End-to-end encrypted

A 25-year projection in seconds

This sample model follows a 38-year-old through a kitchen remodel, college tuition, and into retirement—showing how it all compounds.

Try with your numbers

Why Wealth Curve

Most people don't misjudge how much they save—they misjudge what they already have.

Compounding is unintuitive. Small decisions today quietly turn into outsized outcomes decades later, and most of us are flying blind. It's easy to underestimate steady returns and save too little. It's just as easy to overshoot—working longer, spending less, or taking less risk than you need, simply because you can't see the trajectory.

Real life makes it harder. Careers change. Homes are bought and sold. College, healthcare, and big one-off expenses show up unevenly. Traditional tools either ignore these realities or bury them in fragile spreadsheets.

Wealth Curve makes the long arc visible—so you can see what your money is likely to do, when it matters, and whether you need to push harder or finally ease off.

What you can model

Built for decades, not spreadsheets.

Multi-year projections

Choose your projection length and starting age. Wealth Curve generates a clear year-by-year view of cash flow and balances.

Income & expenses

Model monthly take-home income and expenses, apply annual growth/inflation and override any specific year when life changes.

Portfolios & real estate

Track multiple portfolios with contributions and growth. Include home value, mortgage and long-term housing assumptions.

One-offs & overrides

Add non-recurring income/expenses by year, handle education costs and set year-level overrides for scenarios like job changes.

Scenario-friendly

Quickly compare "what if" outcomes by tweaking a few inputs instead of rebuilding a spreadsheet for every scenario.

Private & encrypted

Use local storage with no account, or sign in to sync across devices with end-to-end encryption. Your passphrase never leaves your browser.

FAQ

Quick answers.

Is this a budgeting app?

No—Wealth Curve is built for long-range forecasting. You can model budgets as inputs, but the goal is seeing multi-year tradeoffs and your wealth curve, not tracking receipts.

Can I keep everything local?

Yes. You can use local storage on this device or sign in if you want syncing and persistence across devices.

What if my life changes in a specific year?

That's the point—add one-offs and year overrides (income, expenses, portfolio values) to reflect job changes, moves, tuition years, big purchases and more.

Is this financial advice?

No. Wealth Curve is a modeling tool that helps you visualize potential outcomes based on your inputs. It doesn't provide investment, tax or legal advice. Markets are unpredictable, and actual results will vary. Use Wealth Curve to explore scenarios, but make financial decisions with qualified professionals.

What if I lose my passphrase?

If you're using synced storage and lose your 4-word passphrase, your encrypted data cannot be recovered—that's by design for security. We can't decrypt it, and neither can anyone else. If you're using local storage, your data stays on your device and isn't encrypted. Consider writing down your passphrase in a secure place.

Can I export my data?

Yes. You can export your models as YAML files from within the app. This gives you a portable, human-readable format that you can back up, version control or import into other tools.

How do I model retirement?

Set your projection length to cover your retirement years. When you stop working, override your income to zero (or add pension/Social Security as one-off income). Your portfolios will continue growing, and you can model withdrawals as negative cash flow that draws from your accounts automatically.

Is Wealth Curve free?

Yes. Wealth Curve is free to use. You can create unlimited models, use all features, and sync across devices (if you sign in) without any cost or subscription.

Can I compare different scenarios?

Yes. Create multiple models to compare scenarios—different retirement dates, spending levels, portfolio allocations or major life events. The "What If" feature also lets you temporarily adjust assumptions without changing your base model.