Net worth · today

—

— Last balance update — Next milestone —

40-year wealth trajectory

Inflation-adjusted to today's purchasing power · three scenarios

Show nominal

Sustainability

Safe monthly spend

—

in today's purchasing power

Liquidity runway

—

at current spending

Pessimistic depletion

—

Allocation

By asset class

By currency

By liquidity

Concentration risks

Year-end target by class

Actual = current value you've recorded. Year-end target = baseline × expected annual return for that class. Δ shows how far ahead or behind the goal you are right now.

Class	Actual	Year-end target	Δ

Net worth tracks automatically as you log dated balances. Add a balance from any Assets page → expand a row → Update balance.

Audit Trail — every number, every year

Stress test

RRSP return: 7.0%

Live override applied to current scenario only. Reset = pick scenario again.

Starting balances

Asset	Currency	Native value	BRL equivalent

Year-by-year trace

Year	Age	Open NW (BRL)	Growth	Income (after-tax)	Expenses	BRL draw	Cumb draw	RRSP gross	RRIF top-up	Surplus	Close NW (BRL)

Year-by-year

Scenario

Combined cash flow + balances + flags for every projected year. Click a column heading group to focus on cash flow only or balances only.

Trajectory

View From To

All three scenarios in real (today's) purchasing power.

Income schedule (40 years)

From To Field Value

Year	Age	Empl (CAD)	Pizza (USD)	Marcela (BRL)	BR Div (BRL)	Other (BRL)	CPP (CAD)	Kuration (BRL after tax)	Total income (BRL, after tax)

Expenses

Every expense category appears in this table — both the 27 canonical categories and any custom ones that appear on imported transactions. Type planned monthly amounts directly in the table; those values drive the projection engine. Actuals are computed automatically per month from imported transactions.

Plan

Expense Category	Planned Monthly	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	YTD Planned	YTD Actual	Variance to Plan

Real Estate — full lifecycle

Portfolio summary

Property	Owner	Current value	Disposition year	Projected sale (gross)	Net equity to household

Projected sale = current value × (1 + appreciation)^years-to-disposition. Net equity = net proceeds − outstanding mortgage.

Assets

Macro indicators

Assumptions

Edit projected income by year. Bulk-fill applies a value across a range of years.

From To Field Value

Year	Age	Empl (CAD)	Pizza (USD)	Marcela (BRL)	BR Div	Other (BRL)	CPP (CAD)	Kuration (BRL after tax)	Total income (BRL, after tax)

Planned one-off cash outflows (car replacements, renovations) OR recurring cash outflows over a fixed period (school tuition).
Year = start year. End year = leave blank for a single-year item; fill in to repeat every year from Year to End year inclusive (e.g., 2028 → 2040 for 13 years).
Cost (today's BRL) is the annual cost in today's money (multiply monthly × 12). The engine inflates it to each year it fires.

Extraordinary & recurring expenses

Year	End year	Label	Cost / yr (today BRL)

Net Worth Tracker

Tracked automatically from every dated balance you log on individual assets. The chart below is the ground truth — your wealth, plotted in real time.

Net worth over time

—

Range

Hover any point to see the exact balance on that date.

Real Estate

—

Investments

—

Banking

—

Recorded values by date

Each row is a date you recorded balances. Columns are assets, plus real estate and a row total. Cells carry-forward the last known balance until you log a new one.

Manual snapshots from before the per-asset tracking model. Kept here for continuity. Use the Update Balance form on each asset for new entries.

Date	Real BRL	Expected	Variance	Status	Note

Forecast alerts

Imports — bank & card statements

Upload a statement

⬆

Drop a statement here or click to choose

CSV, Excel (.xlsx, .xls), or PDF · one file at a time

Past statements

Month	Account	Source	Currency	Tx count	Total	Status

Reconcile — actuals vs plan

View Currency

Total this month

—

vs plan

—

vs last month

—

By category

Category	Actual	Planned	Variance	% of total	3-mo avg	12-mo avg

Top merchants

Recurring detected

Largest variances

Uncategorized / low confidence

People — household

Foundational data. The "primary" person's age drives CPP/OAS start, RRIF mandatory withdrawals, and age-banded health inflation.

Vault

Client-side encryption layer. Your vault passphrase derives the AES-GCM-256 key locally; the server never sees plaintext values.

Status

Unlocked

Vault key is held in memory only. Closing the tab or clicking Lock clears it.

Encryption details

Algorithm	AES-GCM-256
Key derivation	PBKDF2 · SHA-256 · 200,000 iterations
Salt	User ID (per-account)
IV	96-bit random per record
Stored at	Supabase ciphertext columns only

Recovery is impossible without the passphrase. Anthropic, Supabase, and any party with database access cannot decrypt your data.

Enter your 6-digit code

Enroll TOTP

Vault passphrase