Project Retirement
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Your finances
Choose what you'd like to manage.
Cash + shares + business values, less debts linked to those assets and any unlinked debts. Your home equity is included in total net worth, but excluded from this retirement figure.
Wealth trajectory
Illustrative trendBased on recorded dated balance updates; no fabricated weekly balances.
Balances use the latest dated entry for each item. Missed weeks need no entries. Property and business values are estimates, not guaranteed sale proceeds. Link your mortgage to your home to keep it out of retirement-ready wealth. Unlinked debts are conservatively deducted from retirement-ready wealth. Keep values up to date. Debt is counted separately; avoid entering equity as an asset value.
Assets
Debts
Revenue streams
Retirement forecast
Scenario estimates only. Assumes constant annual growth, no taxes, and no withdrawals. Not financial advice.
Business acquisition planner
Private hypothetical calculator. Nothing here changes your real assets or debts.
Financial history
Actual dated entries only. Update an asset or debt under its own tab.
✧ Dreams
Start with your real finances. Explore a future without changing them.
Your dream plan
HypotheticalSaved plans sync with your household's Project Retirement account.
Existing businesses
Business values and linked loans come from Reality. These earnings and growth assumptions only apply to Dreams.
Annual earnings means maintainable earnings used for valuation, not necessarily cash you personally receive.
Potential acquisitions
Projected wealth by year
Simplified scenarios: fixed sale multiples, straight-line annual earnings growth, amortising loans and no tax, fees, inflation, retained earnings, dividends or other asset appreciation. Business profits are not added again to cash. Purchase deposits reduce starting cash and acquisition loans create liabilities. Predictions are not valuations or financial advice.