Every euro,
a purpose.
A working advisor's cockpit. Define the goals, the constraints, the noise of real life — and see whether the plan actually holds together.
New Client
| Goal | Target | Available at deadline | Achieved | Status |
|---|---|---|---|---|
| Emergency fund | €15,000 | €16,231 | 9m | Feasible |
| House down payment | €80,000 | €82,262 | 6y 7m | Feasible |
| Retirement top-up | €200,000 | €388,692 | 15y 3m | Feasible |
Planning is allocation, not prediction.
Each euro of monthly savings is distributed across your goals in proportion to a priority-weighted utility. Goal #1 receives more than #2, #2 more than #3, and so on — with the tilt controlled by the convexity setting (Low = mild, Normal = quadratic, High = cubic). At every month the engine grows each goal's capital at the return assumption that matches its horizon, applies life events, and checks whether the target is reached in time. The result is a plan that respects both intention and constraint.
Three return regimes cover short (< 36 months), medium (36–84 months) and long (> 84 months) horizons — a rough proxy for a bond-heavy, balanced and equity-heavy portfolio. Each regime is applied as an effective annual return: r_month = (1 + r_annual)^(1/12) − 1. Lump-sum growth therefore equals (1 + r)^years exactly, which is the honest way to compound. Extraordinary incomes land in a specific year; income drops persist from that month forward, modelling parental leave, a career gap or a house purchase.
The feasibility table is the verdict — 'Feasible' means the target is reached inside the horizon at the plan's own return assumptions. The wealth chart shows the total picture; the allocation chart shows how the monthly flow is split at each moment, and the per-goal grid isolates each trajectory so you can see whether a goal is on track, ahead or behind. Move the priorities or the convexity and the whole plan reshuffles in real time.