Plan for everything—
retirement, housing, debt, insurance
One holistic plan that optimises your monthly surplus across all your goals. Powered by Monte Carlo simulation and smart allocation algorithms.
No account needed · Uses smart defaults throughout
What you'll get on day one
Monthly action plan — know exactly what to do each month
Goal readiness scores — track progress across every goal
Trade-offs explained — see the impact of your choices
Grows with you — add goals and refine details any time
5 min
Average setup
100×
Monte Carlo runs
60 mo
Allocation schedule
How it works
From zero to a personalised plan in minutes
Tell us about you
Life situation + housing in 2 taps
Choose your goals
Retirement always included — pick one more
Answer basic questions
5–6 fields per goal, smart defaults everywhere
Get your plan
Forecasts, scores, and a task list on day one
Everything modelled together
No more spreadsheets. One plan, all goals, always in sync.
Monte Carlo retirement forecast
Ruin probability + success rate modelled across 100 scenarios
Housing modelled holistically
Down payment, mortgage payoff, or equity extraction — all in one plan
Debt payoff optimisation
Avalanche method: highest APR first, interest savings surfaced
Insurance gap detection
Check what coverage you're missing for your life situation
Layer 1 + Layer 2 allocation
Required commitments separated from discretionary investing
5-Year allocation schedule
See how money shifts month by month as goals are met
Ready to see your holistic plan?
It takes about 5 minutes and uses defaults for everything you don't know yet.