Model scope and assumptions
Prelaunch model versions: connected plan 1.0.0; foundation 1.0.0; investment scenarios 2.0.0; life models 2.0.0. Code checks cover specified cases; independent professional validation and real-device/screen-reader testing are still required.
A connected plan, in a clear order
Household records assets and debt terms. Budget sets income, living costs and distinct allocations. Emergency fund and Debt payoff use those figures; Financial freedom and Plan overview share the resulting portfolio projection. Shared inputs are edited at their source. Changed figures require review before saving a dependent result.
Each asset has one purpose. Emergency cash and locked assets stay outside the accessible portfolio. Freed debt payments and unused emergency contributions become investments only when you choose this in Budget. Other goal allocations remain reserved; specialist scenarios such as trips and weddings still need their suggested funding entered manually in Budget.
Connected projections use annual-average monthly EUR amounts over up to 720 months. Budget separately shows the actual selected bill/income months and any shortfalls requiring advance cash. Financial freedom shows accumulation towards an illustrative target, not the sustainability of retirement withdrawals. Continuing debt costs need to be included in expected retirement spending.
How to interpret a result
Calculators produce deterministic illustrations, not forecasts, probabilities or suitability assessments. Check periods, currency, inflation basis, access restrictions and tax assumptions. A saved result keeps its inputs; changing another tool does not silently change that scenario.
| Tool | Supported model and main limit |
|---|---|
| Budget, debt and emergency cash | Recurring bill frequencies, explicit saving allocations, monthly amortization and cash accumulation. No bank feeds. Separate scenarios default to 600 months; connected scenarios use 720 months. Unresolved balances are disclosed. |
| FIRE | Annual effective real returns compounded monthly, accessible assets, separate pension start and bridge. Deterministic planning; not a lifelong success probability. |
| Asset allocation | Per-holding pre-retirement returns, timed lump sums, monthly contributions and withdrawals. Retirement sequences start with the same projected capital. Only selected accessible holdings count; state pension is income. Tax drag is an effective scenario assumption, not a country tax engine. Mix changes do not receive an automatic extra-return credit. |
| Portfolio risk | Illustrative return, volatility, beta and one correlation assumption. Duplicate identifiers are combined. No live calibration, fund look-through or currency-correlation model. Two-sigma stress and one-year normal VaR are not maximum losses. |
| Rent or buy | Equal initial cash and monthly budgets; retained cash or investments, monthly mortgage payments and sale equity. Includes entered purchase and selling fees. Fixed-rate, stable running-cost assumptions; local rules need user inputs. |
| Lease or buy | Loan payments within the horizon plus settlement of the outstanding loan on sale. Lease deposit reduces capital cost. A partial final lease includes remaining payments and return fees as an illustrative exit liability; actual termination quotes may differ. Taxes use a simplified percentage basis. |
| Wedding and trip | Wedding contributions arrive in their stated month; initial cash counts once. Percentages drive supplier costs, not guest reductions. Trip costs distinguish travellers, rooms, nights and days. Goals must not reuse the same cash or monthly savings. |
| Pensions and protection | Native-currency account balances and annual income remain separate. Life-cover comparison uses the selected insured person and explicit conversion to EUR. State pensions are excluded from capital and beneficiary-nomination checks. |
| Stress test | Independent cash-flow scenarios with entered benefits, waiting periods and duration. N/A cases are excluded from the descriptive score. No market recovery date or combined-shock forecast. |
| Tax | AT and DE 2026 general individual income-tax tariffs; UK 2026/27 ordinary non-savings case outside Scotland with allowance taper; US 2026 single ordinary-income case with standard deduction. Eligibility, other taxes and cross-border relief are outside the calculation. Official sources are linked on the tool. |
| Estate | Inventory, intended shares, country context and printable briefing. Reserved shares and tax are supplied assumptions; blank means unknown. Automated legal entitlements and estate/per-heir tax for the twelve contexts are not validated or activated. |
Records and access
Household fields use EUR. Explicit imports preserve scenario control. Financial records remain in browser storage; no account database, bank link or payment entitlement is connected. The data controls export or erase records for this browser.
Review before release
Production authentication, database access controls, recovery, billing and signed webhook handling remain to be connected. The operator’s legal details and final policies require completion. Every specialist model needs independent sign-off before customers rely on it.