See your financial future, year by year.

Wealth Prognosis is a three-tier planning system: configure your real assets, branch them into life scenarios, then run year-by-year simulations driven by rate prognoses and accurate tax regimes — from today until your death date. Build scenarios by chatting with an AI advisor that already knows 26 real financial strategies, by walking a guided wizard, or by hand. Your choice, every time.

Start planning Explore features
Asset types
40+
AI Wealth Skills
28
Property tax municipalities
327
Tax jurisdictions
NO · SE · CH

Everything you need to plan a life.

From your first salary to the year you retire — model every asset, every tax, every transfer, and every strategy worth considering.

Year-by-year prognosis

Simulate income, expenses, mortgages, cash flow and taxes from today until your death year — across pessimistic, realistic and optimistic rate tracks.

Complete taxation

Fortune tax, property tax, income tax, capital tax, pension tax, rental tax, company tax, dividend tax and the tax shield — computed per year, per asset, for Norway, Sweden and Switzerland.

FIRE metrics, done properly

Know exactly when you can retire early — LeanFIRE, FatFIRE, BaristaFIRE or CoastFIRE. Liquidate liquid assets until zero while keeping your house, cabin, boat and car, with real sequence-of-returns protection.

28 AI Wealth Skills

Named, rule-based strategies the AI can apply to your own numbers — mortgage vs. index funds, holding-company tax deferral, the Kiyosaki cashflow quadrant, Guyton-Klinger withdrawal guardrails and more. Ask a question, get a calculation, not a guess.

Three ways to build a scenario

Chat with the AI advisor in plain language, walk through the guided step-by-step wizard, or add every event by hand. Switch between all three, any time — the underlying data is identical.

Mortgage modelling

Annuity loans, extra downpayments, tax-deductible interest and dynamic recalculation when your strategy changes.

See all features

How it works.

Four steps from your current reality to a full year-by-year prognosis of your financial life.

  1. Step 1: Configure your asset baseline

    Enter your life horizon (birth, retirement, pension and death year), then add every asset you own — houses, pensions, stocks, cars, companies — with income, expenses, mortgages and per-year change rates.

  2. Step 2: Build a scenario, your way

    Chat with the AI advisor ("what if I went to 80% and invested the difference?"), walk the guided wizard category by category, or add events by hand. Each scenario can override existing assets or add new events without touching the shared baseline.

  3. Step 3: Apply a Wealth Skill

    Ask the AI to apply a named strategy — Coast FIRE, mortgage vs. index funds, holding-company tax deferral — to your actual numbers. It fetches your real data, computes the real answer, and proposes the change for you to confirm.

  4. Step 4: Run the simulation

    The engine projects every asset year-by-year: computes cash flow, applies the correct tax regime, calculates FIRE metrics and the Capital Inversion point, and generates a full Excel export with every working detail.

Three-tier architecture

From reality to prognosis — three layers.

Every simulation traces back through a clear chain. Your real assets define the foundation. Scenarios explore what-if branches — built by AI, wizard or hand. Simulations apply rate prognoses and tax regimes to produce auditable year-by-year results.

Configuration

Your real-world baseline

Add every asset you own today: houses, cabins, pensions, stocks, bonds, crypto, cars, companies. Attach actual income, expenses, mortgages and per-year change rates. This snapshot is shared across all your scenarios.

  • 40+ asset types
  • Mortgages
  • Income & expenses
  • Change rates

Scenarios

Alternative life paths

Create as many scenarios as you need — 'retire at 55', 'buy cabin in 2028', 'go to 80% and invest the rest'. Build each one by chatting with the AI advisor, stepping through the guided wizard, or adding events by hand.

  • AI advisor
  • Guided wizard
  • 28 Wealth Skills
  • Manual entry

Simulations

Rate prognosis × tax regime

The engine runs each scenario across three rate tracks (pessimistic, realistic, optimistic). For every year it applies the correct tax regime for each asset's country, computes cash flow, wealth trajectory, FIRE metrics and the Capital Inversion point — all exportable.

  • Rate prognoses
  • NO · SE · CH tax
  • FIRE & Capital Inversion
  • Excel export
Simulation engine

Three rate tracks. Every scenario. One truth.

Each scenario runs across three rate prognosis tracks so you can see the full range of outcomes before you commit to a plan. Every asset, every tax rule, every year — computed individually, not averaged.

Pessimistic

Lower returns, higher inflation, weaker wage growth. Stress-test whether your plan survives a bad decade across every scenario you have built.

Realistic

Historical averages per asset class, current tax rules and your configured change rates. The working baseline for every scenario.

Optimistic

Favourable markets, strong wage growth, best-case taxation outcomes. The upside you are aiming at — modelled year by year in every scenario.

What the simulation covers

  • Yearly cash flow for every asset — income, expenses, mortgage, taxes
  • Fortune, property, income, capital, pension, rental, company, dividend and shielding tax
  • Norwegian, Swedish and Swiss tax regimes applied per asset and per year
  • Wealth trajectory, FIRE year and Capital Inversion point across every scenario and rate track
  • Mortgage amortisation, extra downpayments and deductible interest
  • Pension payouts: offentlig, tjenestepensjon and private savings
  • Per-asset rate prognosis — returns, inflation, maintenance, wage growth

What you can simulate across scenarios

  • Sell or transfer an asset in any future year with correct realisation tax
  • Override an asset's values in a specific scenario without touching the baseline
  • Refinance or change mortgage terms mid-plan and watch the cascade effect
  • Compare early, normal or delayed retirement side by side across scenarios
  • Draw down liquid assets to zero while keeping house, cabin, car and boat
  • Apply a named Wealth Skill — 80% work capacity, mortgage vs. index funds, Coast FIRE — to your real numbers

Plan the next 50 years in an afternoon.

Open the dashboard, build your first configuration, ask the AI advisor a question or add a scenario by hand — and watch your financial future take shape, year by year.

Open dashboard Browse features