The only personal-finance app that actually grows with you. Monte Carlo simulations, tax-aware accounts, FI level tracking, and weekly progress snapshots — built for the next 30 years of your financial life, not a one-time check.
If you're serious about your financial future, you've probably tried these. Here's why none of them quite work.
Every feature exists because people genuinely use it. Nothing's fluff, nothing's a gimmick. The whole thing was built by someone with a finance master's, not a generic "app builder".
1,000-path simulation with configurable return volatility. See your real success probability, not the false certainty of a single average return.
PPR, 401(k), Roth, ISA, Riester, Pillar 3a, Superannuation, RRSP — all the tax-advantaged accounts. See your lifetime tax savings as a real number.
Lean FI, Coast FI, FI, Fat FI thresholds with progress bars. The FIRE community's milestones, properly tracked.
Fork your baseline. "What if I quit at 45?" "What if I take a sabbatical?" Compare side-by-side with deltas in net worth and FI age.
See four alternate-future versions of yourself in one view. Saver-you, early-retire-you, lucky-you. Mind-blowing visualization of what's possible.
Add your country's state pension. Watch your required FI number drop dramatically — sometimes by 30-40%.
Wizard-guided setup, daily tips, contextual advice based on your plan. Like having a finance professional on call.
Type "daily coffee" and see what €3/day costs you over 30 years invested. Smart cost suggestions for common habits.
12 currencies, 7 languages. Tax examples cover EU, US, UK, AU, CA, JP. Most retirement planners are US-only — we're not.
Most "retirement calculators" you check once and never come back. Lifecast is built for the long term — every week shows you something new.
Every visit, Lifecast saves a snapshot of your plan. Come back in a week and you'll see exactly how much your projected net worth grew, how your FI age moved, and how your savings rate evolved.
Build a streak. Hit milestones. See your financial picture sharpen with every adjustment. This is what makes the difference between thinking about your future and actually building it.
→ Snapshots auto-save weekly. View full history any time.
The honest comparison. We're not the cheapest, we're not the most polished. We're the most useful for serious long-term planning at the price.
A single plan adjustment per year — say, finding €500 of tax savings — pays for the subscription multiple times over. The lifetime tier is for people who want to plan once and own forever.
Because your financial plan isn't static. New features ship monthly. Tax rules change. Your situation changes. The subscription means you always have the up-to-date tool, not a fossilized version. If you prefer one-time, the Lifetime tier is exactly that.
Three concrete things. (1) Tax savings made visible: typical user sees €8k+ in lifetime tax savings from tax-advantaged accounts. (2) Better timing decisions: seeing that retiring 2 years later doubles your safety margin can be the difference between fragility and confidence. (3) Compound habit: the weekly snapshot mechanic is what turns "I should plan my retirement" into "I'm actively building my future."
The free version runs entirely in your browser. Your inputs live in your browser's local storage and never leave your device. The Pro tier with cloud sync (coming) will be opt-in and end-to-end encrypted.
The projection logic is fully visible in the year-by-year detail table — every cell has a clear derivation. Monte Carlo uses standard normal-distribution returns; we're transparent about assumptions. Built by a finance master's grad. We publish the methodology for anyone who wants the formulas.
No. Lifecast is a modeling tool, not advice. It helps you understand the consequences of your assumptions. Talk to a licensed advisor for actual decisions, especially around taxes and complex situations in your country.
Yes. The math is currency-agnostic. We support 12 currencies and 7 languages. Tax-aware account examples cover the main types in EU countries, US, UK, AU, CA, JP, CH. The state pension input works for any country's system. We're built global from day one.
Different problem. Mint and Monarch are budgeting apps — they categorize your spending. Lifecast is a planning app — it projects your wealth 30+ years out and tells you whether you'll have enough. Both can be useful; they don't overlap.
Your data is exportable any time. If you cancel Pro, you keep all the free features and your saved scenarios stay accessible. We don't hold your data hostage.
Get early access to Pro features and a 50%-off lifetime discount only available to waitlist members. We email max twice a month: once with the launch invite, once with a brief build-in-public update.