04 — Why own it

Rent a view.Or own themodel.

Subscription apps are excellent at categorising the past. This is a forward-modelling tool you keep, inspect and bend to your own life.

Side by side

The broken promise
of finance apps.

Nothing here is a knock on YNAB, Copilot or Monarch as trackers. It is a statement about what a subscription tracker structurally cannot do.

Subscription SaaS apps
×
Expensive recurring fees$95–$120 a year, forever, just to view your own numbers — and the history leaves with the subscription.
×
Fragile bank connectionsAggregator links drop and re-authenticate badly, breaking your categories on a regular cycle.
×
Data privacy exposureYour full transaction history, balances and liabilities held on third-party servers under a policy that can change.
×
Black-box mathsRigid formulas you cannot inspect — no custom life scenario, no mortgage lump sum, no offshore account.
The FutureProof System
→
Pay once, own foreverA single purchase with no subscription, no hidden fees, and a lifetime personal-use licence including updates.
→
Private and offline-readyNo account logins, no cloud scraping, no aggregator. The file and your data sit on your own device.
→
Infinite customisationTotal formula transparency. Adapt categories, tax rates, currencies and scenarios to your exact circumstances.
→
Multi-decade forward engineBridges monthly zero-based budgeting and a thirty-year retirement compounding model in one coherent file.
Five-year cost · SaaS$600At $120/yr, and still renting
Five-year cost · this$49.99One payment, everything included
Bank credentials shared0There is nothing to connect
Formulas you can read100%No macros, no VBA, no lock-in
Jurisdictions

Built for
global citizens
& investors.

A universal engine that adapts across currencies and jurisdictions. Pick a preset and the retirement account labels, statutory unlock age and regional defaults reconfigure themselves.

🇺🇸
United States401K · ROTH IRA · USD
🇬🇧
United KingdomISA · SIPP · GBP
🇦🇺
AustraliaSUPERANNUATION · OFFSET · AUD
🇨🇦
CanadaRRSP · TFSA · CAD
🇪🇺
EuropePENSION · EUR
🌎
Global / multi-currencyANY SYMBOL · FX DRIFT
Supported symbols

$   £   €   A$   C$   ₹   CHF   ¥

The base currency symbol you set on sheet 01 propagates to every metric card, chart axis and KPI in the workbook.

Household modes
Dual-income couplePartner 1 + Partner 2, named
Single earnerIndividual profile
Statutory unlock ageUser-defined per jurisdiction
Target retirement ageUser-defined

Stop renting a view
of your own money.

View pricing→ Try the simulator