From a dream to real capital

"Target capital" is a specific amount you want to see in your account (for example, $50,000 for a car or a down payment). "Passive income" is the monthly payout your portfolio has to generate (for example, $2,000 a month from dividends or rent).

Markets do not grow steadily. The pessimistic scenario shows what happens to your goal if market returns come in below average. It helps you keep a "plan B" and avoid panic during temporary drawdowns.

Yes, you can pick the specific sources that fund your goal (for example, a crypto portfolio plus a cash account). Progress is calculated automatically from their combined value.

The app uses average annual inflation rates to work out how much you will actually be able to buy in 5 or 10 years compared with today. That makes your goal "real" rather than just a number on paper.

Goals is a tracker for a specific purchase. The Planner is a sandbox for modeling your entire financial life 20–30 years ahead. Here you can experiment: "What if I retire at 45?", "What if I increase my contributions by 10%?".

It shows how far a comparable portfolio fell during the worst periods on the market (for example, during the 2008 crisis). It helps you understand whether you are psychologically ready for swings like that in exchange for higher returns.

You enter the monthly spending you want once you stop working, and the Planner calculates the capital base you will need and shows how many years that money will last, taking into account that the remaining capital keeps earning a return.

Investment gains are usually taxed. Accounting for taxes (18% or 19.5%, for example) lets you see the net amount that actually stays in your pocket, rather than a paper return before tax.

Because of inflation, a million dollars in 20 years is not the same as a million today. This feature instantly converts your future capital into its present-day purchasing power, so you can realistically judge your future standard of living.