Features
Everything here is computed, and everything is traceable.
No black box and no rules of thumb. Each figure comes from a deterministic engine running your own inputs, and you can follow any of them back to the year it came from.
The verdict
A plain answer, computed rather than written.
On track, thin, or short — decided by a rules engine reading your ledger against fixed thresholds, not by a model choosing a tone.
The reasoning sits underneath it: what is working, what is fragile, and the first year any problem shows up.
The ledger
Every number you see, traceable to a row.
A full year-by-year balance sheet — opening savings, income, investment growth, living costs, loan payments, goal outflows, withdrawal rate.
If a figure on the dashboard surprises you, the row that produced it is right there.
Stress tests
What history has actually done to plans like yours.
A 2008-style crash, a sustained inflation run, an India-style inflation decade, living ten years longer. Each modelled on a real episode and cited as such.
Turn any on to see it drawn against your base plan — the base never disappears, so the comparison stays honest.
Your planner
Niv runs the engine. She does not estimate.
Ask her a “what if” and she re-runs the whole projection with that one thing changed, then tells you what moved and by how much.
She can suggest a change to a single field, but pressing the button is your act — she cannot alter your plan herself.
Find out what your number is.
About ten minutes to set up, and you can change every assumption we use. If the answer is uncomfortable, it is better to know now — that is the whole point of projecting it.
Start your plan