Everything Wealth Prognosis does,
in one place.

Prognosis engine

The calculation core simulates every year between today and your expected death year.

Year-by-year simulation

Income, expenses, mortgages, cash flow, taxes and asset value computed per year for every asset you own.

Three scenarios

Run the same configuration as pessimistic, realistic and optimistic — change rates configurable per asset.

Transfers between assets

Move cash flow or asset value from one asset to another with correct taxation on realization.

Rule-based additions

Add fixed amounts, percentages of other assets, or derived values (e.g. 5% of salary to OTP).

Per-asset change rate curves

Every asset gets its own growth trajectory, not one blanket market assumption — a house tracks a regional price index, an equity fund tracks historical market return, a car or boat depreciates on an age-based curve counted from the year it was acquired. Tune any curve, override any single year for a one-off event, and every future year recomputes instantly.

Repeat & milestone years

Use $pensionWishYear, $deathYear, $pensionOfficialYear as symbolic years that adapt to your life plan.

Excel export

Export the full prognosis to Excel with per-asset sheets, type sheets and a totals sheet.

32 AI Wealth Skills

Named, rule-based financial strategies the AI advisor can look up and apply to your own numbers — not generic advice, a real calculation against your real data.

FIRE architecture

LeanFIRE, FatFIRE, BaristaFIRE and CoastFIRE — each with its own target formula, computed from your real expenses and portfolio.

Debt & leverage arbitrage

Mortgage vs. index funds, Lånekassen student loan vs. investing, equity extraction via a flexible credit line (Rammelån) — netted for tax and inflation on both sides.

Withdrawal & drawdown protection

Dynamic withdrawal guardrails (Guyton-Klinger) and a 3-tier sequence-of-returns bucket system, so a bad early-retirement market doesn't force you to sell at the bottom.

Tax & account structuring

Holding-company tax deferral (fritaksmetoden), BSU/IPS subsidized-account priority, and account-location optimisation.

Workload & human capital

80% work-capacity and marginal-tax arbitrage — see the real net-income elasticity before cutting your hours, not a linear guess.

Wealth-benchmarking frameworks

Named skills drawn from Kiyosaki's cashflow quadrant, Housel's margin-of-safety thinking, Maggiulli's save-invest continuum, Dalio's all-weather allocation and Faber's shareholder-yield/trend rules.

Guided scenario builder

Three ways to build a scenario. Pick whichever fits how you think — the underlying data is identical either way.

Chat with the AI advisor

Ask in plain language: "what if I went to 80% and invested the difference?" The advisor retrieves your real data, calls the matching Wealth Skill, computes the real numbers, and proposes the change for you to confirm.

Guided step-by-step wizard

Walk through life-event categories one at a time — children, housing, work, health, pension, wealth — then set the year and amounts for everything you selected on one final step.

Manual entry

Add events by hand when you know exactly what you want — pick any asset type, or define a brand new one.

Same data, every path

A scenario built by chat looks identical to one built by wizard or by hand. Switch between all three, any time, on the same scenario.

Taxation

Complete coverage of Norwegian tax rules, year by year. Swedish and Swiss tax calculations are available in beta.

Fortune tax (formueskatt)

Calculated per year based on aggregated net wealth, with tiered rates from the tax configuration.

Property tax (eiendomsskatt)

Per-municipality rates, including the tax-free threshold and bunnfradrag, across 327 Norwegian municipalities.

Income & capital tax

Salary, capital gains, interest and dividend taxation with correct brackets and deductions.

Rental & company tax

Rental income, company income tax and dividend tax on distributions to private.

Tax shield (skjermingsfradrag)

Correct shielding of dividends and capital gains against the base rate.

Realization & transfer tax

Correct taxation when realizing assets inside a company before transferring to private.

Sweden & Switzerland (beta)

Core Swedish taxation (kapitalinkomst, ISK/KF schablonskatt, kapitalvinst, statlig & kommunal inkomstskatt) and Swiss taxation (federal + cantonal income, wealth tax, Säule 3a) are usable today in beta — with more jurisdictions on the roadmap through our tax-data partner programme.

Mortgages & loans

Full mortgage modelling with tax-deductible interest.

Annuity mortgages

Term amount, interest, principal, gebyr and balance computed per year for the life of the loan.

Extra downpayments

Transfer cash flow to the mortgage to reduce principal — the engine recalculates years remaining.

Tax-deductible interest

Deductible amount, rate and percent tracked per year and fed back into income tax.

Max mortgage calculation

See how much you can borrow based on income, existing debt and property value.

F.I.R.E & wealth-benchmark metrics

Not the 4% rule — a real sell-down simulation, plus the metrics that tell you when work becomes optional.

Financial independence year

See exactly when your liquid assets can cover your remaining lifetime expenses, under LeanFIRE, FatFIRE, BaristaFIRE or CoastFIRE definitions.

Capital Inversion point

The year your portfolio's own annual return overtakes your gross labor salary — the moment your money starts earning more than you do.

Sell-down simulation

Liquidate liquid assets to zero over your retirement span — with tax on each realization.

Essential assets kept

Your house, cabin, car and boat stay with you; the simulation only sells what you mark as liquid.

Integrations (MCP)

Your financial data isn't locked in a silo. A Model Context Protocol (MCP) server exposes 45 tools for reading and safely updating your configuration.

Connect any MCP-compatible AI

Claude, ChatGPT and other MCP-aware assistants can query your economic setup, scenarios and simulation results directly, scoped to your team's data only.

Full CRUD, not just read access

The same 45 tools power this app's own AI advisor — assets, scenarios, simulations, tax lookups and the Wealth Skills catalog are all addressable.

Built for software & advisory integrations

If you run advisory software or an advisory process and want Wealth Prognosis's simulation engine underneath it, the MCP server and export tools are the integration surface. See the partners page.

Multi-tenancy & security

Your data belongs to your team and nobody else.

Team-scoped data

A global scope filters every query by team_id — your assets never appear in another user's dashboard.

Audit stamping

created_by, updated_by, created_checksum and updated_checksum on every model, maintained automatically.

Modern admin

Fast admin UI with resource tables, forms, filters and bulk actions.

Assets & configuration

40+ asset types covering everything you can own.

Real estate

Houses, cabins, rental properties with property tax, maintenance and rental income.

Vehicles

Cars, boats, motorcycles with depreciation, insurance and running costs.

Pensions

OTP, IPS, folketrygd and private pensions with correct tax treatment.

Financial assets

Stocks, bonds, mutual funds, ETFs, crypto, cash — each with its own tax profile.

Companies

AS/ASA company ownership with dividend, income and transfer taxation.

Loans & liabilities

Mortgages, student loans, credit lines — all modelled as negative assets.

Full cost-basis & valuation control

Five independent numbers per asset — market value, what you paid for it, live equity after the mortgage, the cash you actually put down, and, for assets Norway values differently for tax (a cabin's official ligningsverdi), a manual valuation override that runs on its own track. ROI, Cash-on-Cash return and realization tax are always computed against what you actually paid, never just today's market price.