Features

Everything Wealth Prognosis does,
in one place.

A complete planning platform covering prognosis, taxation, FIRE, AI, mortgages and more — built for long-term financial clarity.

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).
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.

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.
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.

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.

Not the 4% rule — a sell-down strategy that keeps your essential assets.

Financial independence year: See exactly when your liquid assets can cover your remaining lifetime expenses.
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.

Natural-language access to your entire financial configuration.

English & Norwegian: "Legg til en tesla til verdi 200K med lån 100K over 7 år" or "Set my house value to 3.5M NOK" — both just work.
Powered by Gemini: Google Gemini under the hood; conversation history is stored per user so the assistant has context between questions.
Tool-calling: The AI can create assets, update mortgages, adjust values and explain tax computations through safe, scoped tools.
What-if analysis: Ask "what if I pay down the mortgage by 10K/month?" and get an explained comparison.

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.
Signed download URLs: Analysis files are served through signed, auth-protected routes.
Modern admin: Fast admin UI with resource tables, forms, filters and bulk actions.

15+ 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.

Open the admin dashboard, configure your first asset, and run the simulation.